Prudential Life Insurance Living Needs Benefit Rider

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Prudential's Living Needs Benefit Rider
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Prudential Living Needs Benefit Rider – Often known for their wide selection of coverage options, high-risk underwriting, and unique policy features, Prudential Life Insurance is a front runner for life insurance coverage.

Recently we wrote an article discussing term life insurance companies that offer accelerated living benefits with their life insurance coverage. Featured in our article was the Living Needs Benefit rider offered on Prudential Life Insurance policies.

The Living Needs Benefit is a free rider that is offered on all Prudential Life Insurance coverage both term and permanent.  The Living Needs Benefit rider comes with two accelerated death benefit options.

These two options are the nursing home option and terminal illness option. Both options allow a policyholder the option to accelerate their policy’s death benefit for cash under qualified conditions.

Prudential Living Needs Benefit Rider is an excellent free feature included on both of their term and permanent life insurance policies.

Instantly compare rates Prudential term and permanent life insurance rates here at Top Quote Life Insurance. For assistance please call us toll-free (888) 777-7574. 

Prudential's Living Needs Benefit Rider Can Ease The Cost of Long Term Care Cost

If you have ever had a family member or known someone that has required long term care assistance, you may be well aware that the cost can be devastating to a family.

Unfortunately, the cost of a traditional long term care policy is out of the question for most people as they tend to be very expensive.

Prudential’s Living Needs Benefit Rider can ease the cost and lessen the devastation of long term needs by allowing you to access the policy’s death benefit through their Nursing Home Option.


  • Must be confined to a nursing home for at least 6 months
  • Must provide proof that you are expected to remain permanently in the nursing home

If you qualify to accelerate the Living Needs Benefit rider, you may elect to receive up to 70%-80% of the policy’s death benefit tax-free to help pay for long term care needs.

Living Needs Benefit Rider & Terminal Illness

An additional feature to the Living Needs Benefit is the ability to accelerate funds from the life insurance death benefit for any qualifying terminal illness. 

In order to receive funds for a qualifying terminal illness, there must be evidence that your life expectancy is less than 6 months.

If qualification has been met to accelerate the Living Needs Benefit rider for the terminal illness option, you may elect to receive up to 90-95% of the policy’s death benefit tax-free.

What Happens to Life Insurance if the Death Benefit has Been Accelerated?

If find yourself needing to accelerate a portion of the death benefit proceeds under the Living Needs Benefit rider, it will reduce your death benefit based on the amount requested.

Funds from your life insurance will be paid to you either monthly or by lump sum. Your life insurance policy will continue with a reduced death benefit and premiums will be readjusted accordingly.

Prudential's Living Needs Benefit Rider can Save Your Life Savings

The expenses incurred from long term care or terminal illness could be enough to cause financial devastation to any family’s life savings.

The Living Needs Benefit rider can help protect you and your family from using your life savings or retirement savings should you suffer from such illnesses.

The Living Needs Benefit rider should not be mistaken as long term care or health insurance policy. Prudential’s Living Needs Benefit rider is a life insurance policy with a great FREE feature to help pay for such expenses should they arise.

Prudential Life Insurance Quotes with The Living Needs Benefit Rider

Getting a Prudential life insurance quote with the Living Needs Benefit rider is simple. To the right of the screen is the instant life insurance quote form which you can use to instantly get Prudential life insurance rates.

If you have a high-risk health condition that requires a custom quote, please contact us toll-free at 888-777-7574 or simply send us a message with the details below and we will get working on your request.

Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.

Not only does he strive to provide you with the best rates for your life insurance coverage, but he also wants you to be well informed about the different types of life insurance options that are available. You will also find a significant amount of valuable information on the multiple life insurance companies that can provide you with coverage.

Jeffrey Manola is licensed to provide expert advice and help aid in the purchasing process of life insurance products. He is licensed with the National Insurance Producer Registry (NIPR) in the following states:

AL: 790866 AR: 14358927 AZ: 14358927 CA: 0K29801 CO: 531038 CT: 002536246 DC: 3000281706 DE: 3000190912 FL: W383615 GA: 3089339 HI: 482421 IA: 14358927 ID: 646048 IL: 14358927 IN: 3100885 KS: 14358927 KY: DOI-986908 LA: 758187 MA: 2045330 MD: 3000011601 ME: PRN252004 MI: 14358927 MN: 40427014 MO: 8428106 MS: 10519253 NC: 14358927 ND: 14358927 NE: 14358927 NH: 2434852 NJ: 1562332 NM: 14358927 NV: 3299018 NY: LB-1484031 OH: 1117369 OK: 100293583 OR: 14358927 PA: 740709 RI: 3000183893 SC: 14358927 TN: 2383399 TX: 1969337 UT: 648983 VA: 987464 VT: 3426230 WA: 947010 WI: 14358927 WV: 14358927

Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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