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Frequently Asked Questions

Life Insurance FAQ's
Employer/Producer Frequently Asked Questions
Why select The Rock®?
Where can I find more information about Prudential Group Insurance products and services?
Where can I find information on The Prudential Insurance Company of America's (Prudential's) financial performance?  
Does Prudential sell group health coverage?
How can I find out about other Prudential group or individual products?
What are Prudential's current financial and claims paying ability ratings according to the major ratings agencies?
How do I get more information?
Employees Frequently Asked Questions
How will I know if I'm eligible to participate?
When can I enroll?
Will I need to take a medical exam or answer medical questions?
Why select The Rock®?
Employer/Producer Frequently Asked Questions
Question. Why select The Rock®?
Answer. Click here for access to Press Releases, Community Resources, Awards, Technology and Employment opportunities at Prudential Financial. Prudential Financial's life insurance subsidiary* is one of the leading providers of group insurance in the United States. Our resources, financial strength and stability allow us to honor long-term commitments to employers and employees alike.

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Question. Where can I find more information about Prudential Group Insurance products and services?
Answer. You can go to the Employer, Employee, or Producer sites within the Prudential Group Insurance site. Or, click here to find a Prudential Group Insurance representative near you.

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Question. Where can I find information on The Prudential Insurance Company of America's (Prudential's) financial performance?  
Answer. Click here for an overview of Prudential's current financial performance.

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Question. Does Prudential sell group health coverage?
Answer. Prudential sold its group health care to Aetna USHealthcare in 1999. This permits us to focus our attention on our core insurance lines of group life and disability insurance.

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Question. How can I find out about other Prudential group or individual products?
Answer. Prudential.com provides an overview of the wide array of Prudential products and services. Click here to go to Prudential.com.

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Question. What are Prudential's current financial and claims paying ability ratings according to the major ratings agencies?
Answer. For information on recent ratings, please call: Investor Relations at 877-998-ROCK.

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Question. How do I get more information?
Answer. Click here for information on how to contact your local Group Insurance Sales Representative.

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Employees Frequently Asked Questions
Question. How will I know if I'm eligible to participate?
Answer. Employees must be active full-time employees working a minimum number of hours per week. Minimum hours can range between 20 and 40, with 35 hours being most common. Some employers require a waiting period of 30, 60 or 90 days following the date of hire. Employees must meet Prudential's active work requirements on the day insurance would otherwise begin.

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Question. When can I enroll?
Answer. Prudential and your employer may decide on an initial and/or periodic open enrollment period. During this time, eligible employees may enroll for coverage without providing medical evidence up to certain guaranteed issue limits. The most common initial enrollment period is 31 days.

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Question. Will I need to take a medical exam or answer medical questions?
Answer. Participants must enroll within the initial enrollment period (usually 31 days) or during an open enrollment period to be covered without providing medical evidence for amounts less than or equal to the guaranteed issue limit. After the initial or open enrollment period, medical evidence satisfactory to Prudential must be provided for all amounts. Medical evidence is always required for amounts exceeding the guaranteed issue limit.

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Question. Why select The Rock®?
Answer. Click here for access to Press Releases, Community Resources, Awards, Technology and Employment opportunities at Prudential Financial. Prudential Financial's life insurance subsidiary* is one of the leading providers of group insurance in the United States. Our resources, financial strength and stability allow us to honor long-term commitments to employers and employees alike.

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