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Converting Group Life Insurance

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What to Do When Your Group Life Insurance Coverage Is Ending

If you are losing your Group Life Insurance coverage, we can help make the process of maintaining Life Insurance coverage as simple and seamless as possible.

The Prudential Insurance Company of America (Prudential) offers two options that can help provide the Life Insurance protection you and your loved ones need. Depending on the terms of the Group Life Insurance certificate you're replacing, you may be eligible for one or both of these options. Your plan may offer additional options beyond those listed here. Please check with your employer for more information.

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Option 1: Convert Your Existing Group Life Insurance Coverage

By converting to an individual policy, you'll continue to receive coverage without the need for a physical examination. Even if you are seriously ill or have a pre-existing medical condition, you can still convert your Life Insurance coverage. Converting is a simple process. You just need to apply for conversion to an individual policy within 31 days after the date your group coverage terminates.

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3 Simple Steps to Convert Your Coverage:

Step 1 Obtain the Necessary Form from Your Employer

It's called the "Notice of Group Life Conversion Privilege Form," and your employer should provide it to you upon termination. If you do not have this form, contact your former employer or benefits administrator.

Step 2 Obtain an Application for Conversion of Group Life Insurance

Call a customer service professional at 1-877-889-2070, Monday through Friday, 8am to 8pm ET, to request one.

Find out how much it will cost:

Step 3 Sign and Return Your Application and Form

Complete and sign the "Notice of Group Life Conversion Privilege Form" and your application and mail those, with a check for the first month's premium, to:

The Prudential Insurance Company of America
Prudential/Group Life Conversions
P.O. Box 70180
Philadelphia, PA 19176

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Questions?

Call a Customer Service Professional at 1-877-889-2070, Monday through Friday, 8am to 8pm ET.

Reside in Canada?

Contact Manion Wilkins & Associates, Ltd. for rate and product information and an application for coverage.

Manion Wilkins & Associates, Ltd.
21 Four Seasons Place, Suite 500
Etobicoke, ON M9B 0A5

Phone: 1-877-242-8632, then press #1
Fax: 1-416-234-0127

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Option 2: Apply for New Individual Life Insurance Coverage

This option gives you the opportunity to apply for different product types, additional coverage amounts, and possibly lower premiums. You can apply for a new individual Life Insurance policy in one of three ways:

Phone

Call 1-877-504-9112, Monday through Thursday, 9am to 7pm ET, and Friday, 9am to 6pm ET, and a licensed Prudential employee will help you apply for a new Life Insurance policy over the phone.

In Person

Set up an appointment with a Prudential Financial Professional in your area.

Online

To Apply for MyTerm, a Simplified Issue Term Life Insurance policy available only online.

MyTerm is issued by Pruco Life Insurance Company except in New York and New Jersey, where it is issued by Pruco Life Insurance Company of New Jersey. MyTerm Contract Number PFT-2007.

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In most cases, you will need to take a medical exam, which can be scheduled at your convenience and done in your home. A medical exam is not required to apply online for MyTerm. Generally, products that do not require a medical exam may have higher premiums than those that do require an exam.

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Forms

Request for EFT Form PDF Opens in a New Window
Use this form to establish a Prudential monthly Electronic Funds Transfer (EFT) payment program or to make a change to an existing EFT payment program.

Notice of Group Life Conversion Privilege (Completed by Employer) PDF Opens in a New Window
Your employer will provide this document to inform you of your right to convert your group insurance to individual insurance.

If you apply for an individual policy during the conversion period and do not apply to convert your group coverage during this time, should you be denied coverage for the individual policy and the conversion period has ended, you will no longer have the right to apply for a conversion policy.

If you apply for an individual policy after expiration of your right to convert your group coverage and you are denied the individual policy, a conversion policy will not be issued.

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The Prudential Insurance Company of America - California NAIC 68241, COA 1179

Pruco Life Insurance Company - California NAIC 79227, COA 3637

Insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ), and Pruco Life Insurance Company of New Jersey (in NY and/or NJ), Newark, NJ. Each is solely responsible for its own financial condition and contractual conditions. Our policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. A financial professional can provide you with costs and complete details.

The advertising contained on this web page is not intended to solicit insurance from residents of Mississippi or West Virginia.

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