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Life insurance can be a key to your employees’ Financial Wellness.

Prudential Group Insurance offers a comprehensive portfolio of Life product solutions—created with over 100 years of experience—that help you build a better benefits program, and your employees meet their financial wellness needs.

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A better experience, at any stage

Our tools and services make it easy for you, your employees, and their loved ones, from enrollment to claims to transition services. We take the work off your plate so you can focus on your employees and your business.

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Enrollment Solutions

Complete online enrollment, and digital EOI processing accelerated underwriting capabilities for quick decisions and text and email alerts.

Caring Beneficiary Experiences

Empathetic guidance after the loss of a loved one.

  • Beneficiary Resources Center
  • Bereavement counseling resources available
  • Caring and compassionate beneficiary services team
  • Digitally Enabled process
    • DocuSign Form Submission
    • Email and Text Alerts
    • EFT claim payment

PruPassagesSM Transition Services

Help take the guesswork out of portability and conversion, and offer financial guidance to departing employees

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35%

of all households would feel adverse financial impacts within one month if a primary wage earner died1

1 in 5

Americans who have life insurance say they don’t have enough2

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Prudential's Solutions

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Group Term Life Insurance

Group Term Life Insurance helps employees protect their loved ones from the financial impact of premature death.

  • Employer-paid Basic Term Life
  • Employee-paid Optional Term Life
  • Spouse/domestic partner and dependent coverage
  • Enhance your life insurance with ancillary services like EAP, estate guidance, ID theft protection, travel assistance and tobacco cessation (additional options available).

Universal Life Insurance

Universal Life Insurance provides permanent insurance protection with the ability to build cash value on a tax-deferred basis.

  • Group Universal Life (GUL) offers a fixed interest rate with a guaranteed minimum
  • Group Variable Universal Life (GVUL) offers a fixed rate and a wide range of investment options, so employees can take advantage of market gains
  • Executive GVUL allows for coverage “carve outs” to meet executives' specific needs

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Accidental Death & Dismemberment (AD&D) Insurance

Accidents are the #1 cause of death for people 44 and younger.3 AD&D Insurance provides added coverage for death, severe injury, or other conditions resulting from an accident.

  • Highly customizable employer- or employee-paid coverage
  • Offers additional benefits to help ease financial burden for claimants and beneficiaries.
  • Optional provisions available to suit employer needs
  • Business Travel Accident (BTA) insurance covers employees while traveling on company business, with many optional travel assistance benefits

Retiree Solutions

Retiree Solutions provide coverage for retired employees with minimal burden on employers.

  • Retiree Life Insurance helps employers keep their promises to retirees while managing costs
  • Retiree Life Buyout transfers the liability and most administration to Prudential
  • Insurance Continuation Fund provides tax-efficient pre-funding with a fixed rate of return

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Global Solutions

Global solutions such as Multinational Pooling and Captive Reinsurance help employers provide life insurance for their workers abroad easily and economically.

  • Multinational Pooling uses pooling networks with locally admitted carriers to provide benefits that are competitive for the market
  • Captive Reinsurance helps employers manage costs and difficult risks

Living Benefits

Value-added services give employees more than just life insurance protection.

  • Employee Assistance Program
  • Wills and estate planning
  • Child and elder care support
  • Identity theft support

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Count on us to help solve your benefit challenges

Results you can count on.

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  • Text or email alerts for claim status updates.

  • 90% say their claim representative was caring and compassionate.

  • 98% of life claims processed within 5 days.

  • 70% of Evidence of Insurability (EOI) submissions instantly approved.

  • 97% of Evidence of Insurability (EOI) submissions don’t require medical exam.

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Ready to expand your employee benefits? Let’s talk.

Broker administration

Licensing, Appointment, and Registrations

Email GI Producer Services

 

Already doing business with us?

Contact your Prudential representative.

New customers

Contact your benefits broker or consultant.

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Footnotes

  1. LIMRA and Life Happens Insurance Barometer Study, 2018.
  2. LIMRA and Life Happens Insurance Barometer Study, 2018.
  3. CDC, 10 Leading Causes of Death by Age Group, United States – 2018.
  4. Results based on 2018 Beneficiary Survey Results for Prudential Life Claims.
  5. Prudential Group Insurance Standard Service Results, 2018.
  6. Prudential Group Insurance Book of Business Results, 2017.
  7. Prudential Group Insurance Book of Business Results, 2019.

These materials are for informational or educational purposes. In providing these materials, Prudential (i) is not acting as your fiduciary as defined by the Department of Labor and is not giving advice in a fiduciary capacity and (ii) is not undertaking to provide impartial investment advice as Prudential will receive compensation for its services/products.

PruPassages is available to Group Insurance contract holders. It provides their insureds and/or former insureds with the options to continue life insurance coverage that is no longer available under a group contract. Individuals may be contacted by licensed financial professionals affiliated with Prudential to explain available insurance continuation options and answer questions.

The time to elect to continue your life insurance coverage may vary, and you should refer to your group certificate for complete details. You may be contacted by licensed financial professionals affiliated with Prudential to explain available insurance continuation options and answer questions.

Group Insurance coverages are issued by The Prudential Insurance Company of America, and Group Variable Universal Life insurance is distributed through Prudential Investment Management Services LLC (“PIMS”). Both are Prudential Financial companies, Newark, NJ.

 

For compliance use only: 1033999-00001-00