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Help Protect What Matters to You.


Experience The Wellness Effect

When you do the right things financially for you and your family, you feel good. You can focus on what matters. This is The Wellness EffectTM.

To help, your employer is offering you coverage you can use to help protect your family from taking on your expenses if something happens to you. Life Insurance can help make sure that your loved ones have some financial help when you're no longer there.

All coverages are issued by The Prudential Insurance Company of America (Prudential).

Learn More About Your Plan

Most people have different insurance needs. Consider the benefits Prudential offers to determine which plan best helps you create and protect your financial wellness.

Supplemental Employee Term Life Insurance

helps pay expenses and provide for your loved ones when you’re no longer there.

Learn What's Offered and What You May Need

Check out the multimedia tools and educational materials Prudential has created to help you evaluate your insurance needs and to explain how your benefits program can help you meet them.

Learn How Much You May Need

The Benefits of Designating Beneficiaries


  • Contacts

    Prudential's Customer Service Center
    8AM - 8PM ET
    Monday - Friday
    1-888-9VZ-4PRU
    (1-888-989-4778)

    Verizon Benefits Center
    8AM - 8PM ET
    Monday - Friday
    1-855-4VZBENS
    (855-489-2367)

  • Conversion of Group Life Insurance (Continuing Your Group Life Insurance)

    1. What happens to my group basic and supplemental life insurance coverage if my employment with Verizon is terminated?

      If your employment with Verizon is terminated for any reason, you are eligible to continue the group basic and supplemental life insurance coverage that you have on yourself, your spouse, and any children through the Conversion Privilege feature of your policy. Refer to question #8 for information on how you will be notified of your Conversion options.

    2. If I die, what happens to the group supplemental life insurance coverage on my spouse and my children?

      Your spouse is eligible to continue his/her group supplemental life insurance coverage under the Conversion Privilege feature of your policy. Refer to question #8 for information on how you will be notified of your Conversion options.

    3. My child has reached the age limit and is no longer covered under my group supplemental life insurance policy. What happens to my child’s coverage?

      When your child reaches the age limit and is no longer covered for group supplemental life insurance, he/she is eligible to continue his/her group supplemental life insurance coverage under the Conversion Privilege feature of your policy. Refer to question #8 for information on how you will be notified of your Conversion options.

    4. I am transferring from one area of Verizon to another, and the new area offers a lesser group life insurance benefit. What happens to the amount of group basic and supplemental life insurance I am losing?

      If you transfer from one area of Verizon to another, and the amount of group basic and supplemental life insurance offered to you as a result of that transfer is less than the amount you currently have, you may be eligible to convert that reduced amount to an individual policy. Refer to question #8 for information on how you will be notified of your Conversion options.

    5. What happens to the group supplemental life insurance coverage on my spouse in a divorce/dissolution situation?

      Your spouse is eligible to continue his/her group supplemental life insurance coverage under the Conversion Privilege feature of your policy. Refer to question #8 for information on how you will be notified of your Conversion options.

    6. I am retiring from Verizon. What options do I have, if any, for continuing my group basic and supplemental life insurance?

      Retirement benefits are handled through the Verizon Service Center. You may contact them for additional information at 1-855-489-2367. Should your retirement insurance benefits reduce as part of a scheduled reduction, The Prudential Insurance Company of America (Prudential) will send you information on options available to convert to an individual policy for the reduced portion of that coverage.

    7. I voluntarily dropped the group supplemental life insurance coverage that I was paying for through payroll contributions. Are there any options for me to continue this coverage on my own?

      If you voluntarily terminated the group supplemental life Insurance coverage through Verizon, there are no options available to you, your spouse, or your children for continuing that coverage.

    8. Do I need to reach out to Prudential when any of my group life insurance coverage is ending?

      As soon as Prudential is notified of the loss of group basic and supplemental life insurance coverage on you, your spouse, or your children, Prudential will notify you by mail of the options for converting the amount for which you are eligible. This notification will provide you with the group basic and supplemental life insurance coverage amount you, your spouse, and child(ren) are eligible to convert to an individual policy.

    9. How long do I have to make a decision?

      You generally have 31 days from the date your group basic and supplemental life insurance coverage terminates to take advantage of the continuation options available to you. During this 31-day period, your coverage remains in effect under your Verizon Group Life Insurance policy.

    10. Who can I contact with questions?

      If you have any questions regarding continuation of coverage, please contact the Prudential Verizon Service Center at 888-9VZ4PRU (888-989-4778).

    11. What are the Conversion options available to me?

      You will be notified by Prudential of the conversion options that are available to you under your Verizon group policy.

    12. Will I have to submit evidence of good health to continue my life insurance coverage?

      No, submitting evidence of good health will not be required.

    13. How much will it cost me to convert my life insurance coverage?

      Once you respond to Prudential of your interest in converting your life insurance coverage, Prudential will send you an application and applicable rates.

    14. Can I obtain an individual policy on my own?

      The Conversion option, with no evidence of good health, is made available as a Whole Life policy which is normally quite expensive. You may want to see if you can secure a less expensive policy (with Term Life being the least expensive) based on your ability to be medically underwritten. Call the Prudential Verizon Service Center at 888-9VZ4PRU (888-989-4778) and ask the Customer Service Rep to soft transfer you to Prudential’s Customer Value Center (CVC). The CVC is staffed with licensed insurance representatives that can talk with you about buying Term Life insurance rather than converting to the Whole Life policy. Remember, you have 31 days from the date you lost coverage to make a decision.

    15. If I convert my coverage to an individual policy, how long will the coverage remain in effect?

      The coverage will remain in effect as long as you continue to pay premiums on time.

  • Evidence of Insurability (EOI Status)

    To check the status of your Evidence of Insurability (EOI) submission, please click here.

    • Verizon Communications employees: Please use Access Code 50901.
    • Verizon Wireless employees: Please use Access Code 50801.
  • Evidence of Insurability (EOI Requirements)

    1. What is Evidence of Insurability (EOI)?

      Evidence of Insurability, also known as "evidence of good health" is the process by which Prudential determines if you are healthy enough to be considered eligible for the amount of insurance coverage for which you are seeking.

    2. Why is Evidence of Insurability required?

      Evidence of Insurability is generally required for individuals who are enrolling "late" for a plan (with "late" meaning sometime other than when the plan was first made available to them) or if they are seeking an amount of insurance coverage that is considered higher than normal. In order for the insurance rates to remain as competitive as possible for the entire group, it is important that the plan NOT provide insurance to people who may have a medical condition that could lead to a possible premature death.

      Please note, in general, dependent children are not required to provide Evidence of Insurability.

    3. What is "Guaranteed Issue Amount"?

      The "guaranteed issue amount" is the amount of coverage you can obtain without need to provide proof of good health.

    4. What is the Evidence of Insurability process?

      The Prudential Evidence of Insurability process combines quick and easy initial screening with the ability to submit further information should an individual not clear the initial screening. Under the process, an individual who requires Evidence of Insurability initially completes a "short form" online which will ask three to four questions. This form provides the initial screening. If the individual clears such screening, the application for coverage is approved. If the individual does not clear such screening, additional questions are asked online.

    5. Can I submit Evidence of Insurability online?

      Yes, when completing an online enrollment through the Benefit Center you will be automatically directed to Prudential's Evidence of Insurability web tool if any coverage requested requires Evidence of Insurability.

    6. Can my Spouse Complete Evidence of Insurability Online?

      Yes. The online enrollment process through the Benefit Center will have you register your spouse so that they may complete the online process themselves.

    7. Can I submit a paper application?

      Yes. During the online enrollment process you may download and print a paper form application which can be completed and sent to Prudential.

    8. In general, how long does the Evidence of Insurability process take to complete if I do not pass the initial screening process?

      Timing can vary depending on our ability to secure additional information from you, your doctor or other sources. We try our best to turn all applications around as quickly as possible.

    9. How can I check my status of my Evidence of Insurability application?

      To confirm that you or your spouse's Evidence of Insurability application has been received, and to view its status online, please log onto www.prudential.com/mystatus Link opens in a new window or click on the link that says "Check the Status of your Evidence of Insurability". Use access code 50901 if you work for Verizon Wireline and 50801 if you work for Verizon Wireless. Or call Prudential at 1-888-989-4778.

    10. Will I ever receive a letter from Prudential regarding the Evidence of Insurability process?

      Yes, in the event it is determined that additional information is needed, or if any requested information was missing from your application, we will advise you of this through correspondence.

    11. Will you ever request additional information about my health from doctors that I have seen?

      Yes, in the event we do need this information, we will contact your doctor to secure the additional information. And if they require compensation to provide the information we will also pay the amount requested if it is reasonable.

    12. Will I ever need to provide Prudential with blood work or similar tests to determine the extent of my health?

      Yes, this is possible depending on factors such as your medical information or the amount of insurance being requested. If this is needed, Prudential will work with you to have a qualified medical professional meet you at a time and place that is convenient to perform these tests. All costs associated with this process will be paid by Prudential.

    13. How will my Employer know of the decision?

      The Verizon Benefit Center will be notified within five business days of the Evidence of Insurability decision and notify you.

    14. What happens if I am declined?

      In the event you are declined, the requested coverage amount would not be valid. If you disagree with the decision, you do have the right to appeal. Please submit all appeals in writing to:

      The Prudential Insurance Company of America

      Group Medical Underwriting

      PO Box 8796

      Philadelphia, PA 19176

    15. If approved, when will my coverage become effective?

      Generally, once the Evidence of Insurability is approved, the coverage will become effective as of the date that Prudential's decision is made, or the date that all eligibility requirements have been met if that is later.

  • Group Life Claim (submitting a claim, funeral home assignments, beneficiary information, and to access the required forms)

    1. How do I submit a claim for Group Life Insurance?

      A claim for benefits can be made by contacting the Verizon Benefits Service Center: 855‐4VZBENS (855-489-2367).

      For Group Life claims related to Group Universal Life Insurance administered by Mercer, please call Mercer directly at 800-336-9427.

    2. Will the Benefits Center handle all aspects of the Group Life Insurance claim and make payment to the appropriate beneficiary?

      No. After a claim is initiated with the Verizon Benefits Center, they will provide all of the appropriate information to Prudential who will then commence with the claim handling. You should hear from Prudential within 7-10 days of filing your claim with the Verizon Benefits Center for additional steps that you will need to take to complete the claim process.

    3. Where do I send the required Group Life Insurance claim documentation once contacted by Prudential?

      Documentation can be faxed directly to Prudential at 888-227-6764 or submitted via mail to:

      The Prudential Insurance Company of America

      Group Life Claim Division

      PO Box 8517

      Philadelphia, PA 19176

      NOTE: If known, please include the assigned claim number on any documentation provided.

    4. How do I check the status of a submitted Group Life Insurance claim?

      To check the status of your claim, please call the Prudential Verizon Customer Service Center at 888‐9VZ4PRU (888-989-4778). They are open between the hours of 8:00am to 8:00pm, Eastern time, Monday through Friday.

    5. How do I know if I am the beneficiary of the life insurance proceeds?

      Once Prudential receives notification of the Group Life Insurance claim, they will mail correspondence to the beneficiary, notifying him or her of receipt of the life claim and providing instructions on what is required for the claim to be processed.

    6. What is generally required in order to process a Group Life Insurance claim?

      If you are the named beneficiary, you will need to complete a Beneficiary Statement and provide a Death Certificate in order to have Prudential properly process your claim. If there is no named beneficiary, the life insurance money will be paid in accordance with the wording in the policy.

    7. What does the insurance policy say will happen if no named beneficiary exists?

      When there is no named beneficiary, in accordance with the group policy, Prudential is obligated to pay the insurance proceeds to the first of the following surviving heirs in this order of preference: (1) surviving spouse; (2) surviving child(ren) in equal shares; (3) surviving parents in equal shares; (4) surviving siblings in equal shares; (5) the estate.

    8. What is the method of payment made for a life insurance claim under the plan?

      Prudential may make a range of settlement and payment options available to Group Life Insurance beneficiaries. Subject to applicable state law the standard method of paying group life insurance benefits of $5,000 or more is via a retained asset account, such as Prudential’s Alliance Account®, whereby funds are held by Prudential. Currently Alaska, Kansas, Kentucky, Minnesota and New York have regulatory guidelines that beneficiaries must affirmatively elect the Prudential Alliance Account to receive their settlement, otherwise the payment will be made via a lump‐sum check. This guideline applies to those beneficiaries who reside in either of these states, or the deceased resided in either of these states at the time of their death. Prudential will send the appropriate forms for the beneficiary to make this election.

    9. What is a Funeral Assignment and what is generally required by Prudential when a Funeral Home Assignment is used?

      A funeral assignment is a method by which a beneficiary signs over all or part of his/her benefits to a funeral home to cover funeral expenses for the deceased. In addition to a completed Beneficiary Statement and a Death Certificate, a copy of a Funeral Home Assignment completed by the beneficiary(ies) is required. Most funeral homes have a form that can be used for this purpose. The Funeral Home Assignment should include the beneficiary(ies) information, the deceased’s information, the policyholder/employer’s name, Prudential Insurance Company, and the amount of the assignment to the funeral home.

      Note: Funeral assignments cannot be honored when completed by a minor beneficiary.

    10. What is generally required if the named beneficiary is a minor?

      In addition to a completed Beneficiary Statement and a Death Certificate, legal documentation showing that someone has guardianship/conservatorship over the minor’s estate or property is needed in order for payment to be made. Otherwise, if documentation showing guardianship/conservatorship over the minor’s estate is not obtained, the claim proceeds will be placed in an interest‐bearing Annuity account until the minor reaches the age of majority.

      Note: State requirements may allow for different options.

    11. What is generally required if the named beneficiary is a Trust?

      In addition to a completed Beneficiary Statement and a Death Certificate, a copy of the Trust including the name of the Trust, Trustees, signature/notary, and Successor page (if applicable), is required.

    12. What is generally required if the named beneficiary is an Estate?

      In addition to a completed Beneficiary Statement or Preferential Beneficiary Statement (if necessary) and a Death Certificate, a copy of the court-filed estate paperwork is generally required.

      Note: State requirements may allow for different options.

    13. Where can I get forms referenced in this document?

      Forms may be downloaded by using Adobe Acrobat software. These forms should be completed and then mailed to Prudential at the address indicated on each form. If you do not have access to Adobe Acrobat software, you can obtain the plug‐in and instructions for installation free of charge. Get Adobe Acrobat Reader.

      Beneficiary Statement (AK, KS, KY, MN, NY) PDF opens in a new window

      Beneficiary Statement (All other states) PDF opens in a new window

      Preferential Beneficiary Statement PDF opens in a new window

      HIPAA Privacy Authorization Form PDF opens in a new window