Fulfillment Ratio Total Cash Value Ratio
General Crediting Interest Rate
Historical General Crediting Interest Rate
of Universal Life Insurance Products

The following table shows the historical General Crediting Interest Rates for each of the universal life insurance products issued by Prudential with new policies issued since 2011. These results are intended for your reference only. The historical General Crediting Interest Rates should not be taken as an indicator of future General Crediting Interest rates of our universal life insurance products. The actual future General Crediting Interest Rates may be lower or higher than the historical General Crediting Interest Rates as illustrated.

General Crediting Interest Rates for reporting year 2019
Universal life
insurance products
PRUuniversal life /
PRUuniversal life wealth planner
Policy effective in1
2011
2012
2013
2014
2015
2016
2017
2018
2019
No Lapse Guarantee Benefit
N/A
N/A
3.86%
3.65%
3.65%
3.48%
3.40%
3.21%
3.15%
Yes /
No
No Lapse Guarantee Benefit
Notes
  1. Policy effective in respective year refers to a policy commencing from January to December of the year
  2. For Crediting Rate, please refer to Crediting interest rate
  3. Some of the above results are shown as “N/A” because in the respective year the products were not yet launched or effective less than 1 year
  4. The historical crediting interest rates are based on daily geometric time-weighted average crediting interest rate of these policies in each calendar year
  5. For the crediting interest rates applicable to your policy, please refer to your annual policy statements or contact your representative
  6. For the details of Crediting Interest Rates, please refer to the relevant policy provisions