Wanted to take a moment to express my heartfelt gratitude for everything you do! Your unwavering dedication and the time you so generously sacrifice to listen and guide others do not go unnoticed. Your leadership and support have made a significant impact on all of us, and we are truly grateful for your continuous efforts. Thank you for being such an inspiring and selfless leader.

Hey everyone! 🚀 Prudential has just launched two new term life insurance options under the EssentialTerm Suite. Now you can better match your clients’ budgets and evolving needs with these tailored solutions. Check out the highlights below: What do these plans offer? ✅ Affordable death benefit protection, priced based on Age Last Birthday for terms of 10, 15, 20, or 30 years. ✅ Coverage amounts ranging from $100,000 - $249,999, with larger options coming next year. ✅ Conversion options that lock in insurability until the earlier of age 70 or the length of the term, including a conversion credit from years 2-7. ✅ Terminal illness rider included at no additional cost. The Difference Between the Two Plans: 🔹 EssentialTerm Value: Focus on cost with our lowest premiums and limited conversion options. 🔹 EssentialTerm Plus: Focus on conversion flexibility with more choices and opportunities to convert. 💬 What do you think about these updates? Let's engage the community with a quick poll: Poll: Do you like these types of product launch updates?

New reps- I’m doing a training today at 10am on how to submit an application. I remember when I first got started it would take me 1hr to submit an app 😭 Learn how to submit an e-app in 15/20 min max Join Zoom Meeting https://us06web.zoom.us/j/89089315517

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Now that we've covered the basics, let's dive into some important sections of your life insurance policy: the premiums, payment terms, right to change, grace period, reinstatement rules, and benefits. Understanding these will help you manage your policy better and ensure you keep it in force without surprises. Premiums The Premiums section outlines everything you need to know about your payments: - Fixed vs. Variable Premiums: Your policy will state whether your premium is fixed (unchanging) or variable (fluctuates over time). For example, in some cases, premiums start high and reduce as the face amount decreases, as shown in the sample table below. This table (Attached) is an example of how premiums are structured, changing over the life of the policy. Pay close attention to this section to understand how your premiums will evolve, especially if you have a variable premium policy. Payment Terms The Payment Terms section tells you: - Frequency: Will you pay monthly, quarterly, or annually? It’s essential to choose the frequency that works best for your financial situation. - Method: You can usually pay via check, debit/credit card, or automatic bank drafts. Many companies offer online payments or mobile app options for added convenience. Be sure to select a payment plan that fits your budget and helps you avoid lapses in coverage. Right to Change One great feature of most policies is the Right to Change: - You can make adjustments to your policy, such as changing beneficiaries or adjusting coverage amounts, if needed. - This flexibility is valuable as your life circumstances evolve, like when getting married, having children, or facing income changes. However, always review your policy carefully before making any changes to ensure they align with your current and future goals. Grace Period The Grace Period is a buffer zone that gives you some flexibility: - You typically have 10-30 days after the premium due date to make your payment without risking a lapse in coverage. - Remember, this is not an extension of your payment due date, but rather a period in which the policy remains active despite a missed payment. After this time, the policy may lapse.