Benefits to You

• It's economical. Your employer generally pays part or all of the premium.
  
  
• It's convenient. You get your insurance at work—no need to set up appointments or sort through quotes.
  
  
• No medical exams or questionnaires. Most employees receive this coverage without having to submit medical evidence.
  
  
• You may be able to convert your group coverage to individual coverage. If your group life coverage ends—because you leave your employer, for example—you have the option to switch your coverage to a Prudential individual whole life insurance plan. (In New York, you may switch your coverage to an individual whole life plan or an individual term life plan.)¹
  
  
• If you become terminally ill, we can help. Under Prudential's Accelerated Benefit Option, terminally ill employees with a limited life expectancy can be paid part of their group life benefit while they are still living. Employees are free to spend the proceeds as they wish. Benefits are payable in instances where life expectancy is under six months to two years (subject to state law). Death benefits will be reduced by this election.²
  

Limitations and Exclusions
Basic Term Life coverage is subject to certain limitations and exclusions. Please consult your Booklet-Certificate for details.

Reductions Due to Age
Basic Term Life coverage may be reduced at certain ages. Such reductions will be expressed as a percentage of your coverage prior to the age reduction. Please consult your Booklet-Certificate for details.

Effective Date of Coverage
Generally, Basic Term Life coverage begins on the first day you're eligible, you've satisfied any medical evidence requirements, and you're actively at work.