A Leader in Employee Benefits Solutions. Prudential Group Insurance. The Prudential Insurance Company of America

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Choose Solutions That Help Deliver Results

1 LIMRA, 2011 Annual Surveys of U.S. Group Life and Group Disability Insurance.

2 This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department.

IMPORTANT NOTICE —THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

3 This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department.

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.

4 The Prudential Insurance Company of America offers an Integrated Disability and Absence Management service program that includes certain services provided by a third-party administrator

under contract with Prudential. Any insured group short term or long term disability products, which may be subject to a Prudential Integrated Disability program, will be issued by The Prudential Insurance Company of America. Contract Series: 83500. The Prudential Insurance Company of America does not underwrite commercial workers’ compensation plans.

5 IGP and Insurope are not Prudential Financial Companies.

6 The Prudential Insurance Company of America, 2012 Group Insurance Middle Market and National Account Client Relationship Survey.

Group Variable Universal Life Insurance is issued by The Prudential Insurance Company of America and distributed through Prudential Investment Management Services LLC (“PIMS”). The Prudential Insurance Company of America is located at 751 Broad St., Newark, NJ 07102 and PIMS is located at Three Gateway Center, 14th Floor, Newark, NJ 07102. Both are Prudential Financial companies. Contract Series 89759. This flyer is a summary of benefits. It does not include all plan provisions, exclusions, and limitations. Availability of provisions and services may vary. A Group Contract with complete plan information will be provided. If there is a discrepancy between this flyer and the Group Contract issued by Prudential, the terms of the Group Contract will govern. Group Insurance coverages are issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500 and 96945.

The Real Challenges Solutions Results logo is a registered service mark of The Prudential Insurance Company of America.

and its related entities, registered in many jurisdictions worldwide. 21908

Life Insurance

n Basic, Optional, and Dependent Term Life n Basic and Optional Accidental Death

& Dismemberment

n Business Travel Accident n Group Universal Life

n Group Variable Universal Life

n Executive Group Variable Universal Life

Disability Insurance and Services

n Short Term Disability

n Long Term Disability

n Integrated Short & Long Term Disability n State Mandated Disability

n Absence Management n Return to Work Services

Retiree Solutions

n Insurance Continuance Fund

n Variable Insurance Continuation Fund n Retiree Life Buyout

n Group Universal Life Insurance

n Group Variable Universal Life Insurance

n Executive Group Variable Universal Life Insurance n Voluntary Retiree Reducing Term Life Insurance n Retiree Portability

Global Solutions

n Multinational Pooling

n Prudential Zurich Global Benefit Solutions n Captive Reinsurance

Non-Qualified Benefits

n Corporate Owned Life Insurance n Trust Owned Life Insurance n Bank Owned Life Insurance

For more information, contact your Prudential r

epresentative today

or visit us online at www.prudential.com/gi.

The Prudential Insurance Company of America 0236570

A L e a d e r i n E m p l o y e e B e n e f i t s S o l u t i o n s

Prudential Group Insurance

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A Results-Driven Solution

From a Name You Know and Trust

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Since 1875, the Prudential Insurance Company of America (Prudential) brand has been synonymous with helping people achieve financial security. Our well-known Rock symbol is an icon of strength, stability, expertise, and innovation that has stood the test of time.

Prudential Group Insurance has been helping clients and their employees meet benefits challenges since 1916, when we first began underwriting group insurance plans. Today, we are the nation’s second-largest group life carrier, and a leading disability carrier.1_{We are well recognized across} all market segments for the breadth and depth of our products and services.

The driving force of our customer-oriented philosophy is simple: Every Prudential professional is committed to giving you and your employees the ultimate in customer service.

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At Prudential, we understand the real challenges you face,

and we’re here to help.

When Every Dollar and Every Effort Counts

Leading Employers Count on Prudential

In today’s competitive environment, there’s no room for waste. With tighter budgets and fewer human resources personnel, every dollar and every effort counts — particularly when it comes to your employee benefits. Now more than ever, leading employers rely on The Prudential Insurance Company of America (Prudential) to recommend benefits solutions that give employees peace of mind and deliver results.

If you’re interested in attracting and retaining top talent, minimizing benefits costs, and reducing administrative burdens, Prudential can help. With Prudential, employers of all sizes discover superior service, real solutions, and real results.

Let us help you tackle the challenges you face every day, with real solutions from Prudential Group Insurance. n Help protect your employees’ families and their assets

with life insurance solutions.

n Boost workforce productivity with disability and absence solutions.

n Fulfill your promises in a cost-effective manner with retiree funding solutions.

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When You Need to Achieve More with Less

Basic, Optional, and Dependent Term

Life Insurance

n Gives a choice of plans based on salary multiples, scheduled amounts, incremental amounts, or employee class.

n Offers dependent coverage for spouse and eligible children.

Basic and Optional Accidental Death &

Dismemberment (AD&D) Insurance

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n

Provides coverage for loss of life and paralysis resulting from covered accidents.

n Includes benefits for covered accidents where seat belts and air bags are used.

n Offers optional provisions for coma, exposure and disappearance, return of remains, felonious assault, spouse or child tuition reimbursement, day care expenses, and more.

Business Travel Accident (BTA) Insurance

n Provides benefits for accidental death or injuries occurring during business trips.

n Offers an optional extended benefit that covers travel for pleasure. n Gives a choice of high coverage limits, executive carve-outs,

privately owned aircraft coverage, and worldwide war risk protection.

Short Term Disability (STD) Insurance and Services

3 n Provides a choice of benefit period length, waiting period,

and benefit amount.

n Offers Insured, Administrative Services Only, and Advice to Pay claim services.

n Provides state-mandated disability insurance and self-insured plan administration.

Long Term Disability (LTD) Insurance and Services

3 n Offers a choice of provisions designed to manage your

risk and provide employees and their families the support they need.

n Works toward maximizing capacity and facilitating return to work.

Integrated Short & Long Term Disability Insurance

4 n Combines two coverages into one with the convenience

of integrated administration.

Absence Management Services

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n Provides administration of Family Medical Leave (FML) and state leaves.

n Provides administration of other leaves, including Military Leave, Jury Duty, Bereavement Leave, and other company-specific leaves.

Overcome your cost and benefits challenges with plans that fit your budget and reward your workforce. We’ll help you

focus your dollars and efforts on the products that matter most, so that you can attract and retain top talent, minimize costs,

and maximize employee satisfaction. By using our extensive employee benefits research and taking the time to understand

your company and your employees’ specific needs, we can advise you of the most appropriate plan designs and

contract provisions.

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Captive Reinsurance

n Provides fronting services for life and disability programs. n Offers life and LTD stop loss protection.

Group Universal Life (GUL) Insurance

n Combines life insurance coverage with a tax-deferred, guaranteed interest cash accumulation fund option. n Provides easy loan or withdrawal access to the cash

accumulation fund.

Group Variable Universal Life (GVUL) Insurance

n Combines all of the features of GUL with an array of tax-deferred separate account investment options. n Offers a way to further reward highly compensated

employees and executives.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, and charges and expenses carefully before investing. The contract prospectus and the underlying portfolio prospectus contain information relating to investment objectives, risks, and charges and expenses as well as other important information. Contact your financial professional for the prospectuses. You should read the prospectuses carefully before investing. It is possible to lose money when investing in securities.

Multinational Pooling

n Combines the financial benefits of a global arrangement with local servicing and expertise.

n Provides access to admitted life and disability benefits worldwide through our exclusive partnerships with International Group Program (IGP) and Insurope.5

Prudential Zurich Global Benefit Solutions

n Provides benefits on foreign lives for unique situations including third country nationals (TCNs).

n Offers a single point of access for customers and the intermediaries.

Insurance Continuance Fund, Retiree Life Buyout,

and Voluntary Retiree Reducing Term Life Insurance

n Prefund future cost of group term life insurance or transfer the liability in exchange for a cash payment.

n Provides retirees with voluntary life insurance benefits at no cost to the employer.

Other Coverages

n Critical Illness: Offers a flat dollar benefit for the diagnosis of certain

critical illnesses. Allows insured to use payment for any purpose without restriction.

n Retiree Portability:Offers retiring employees the option of maintaining

their life insurance benefits by porting their coverage out of the employer plan and into a group trust.

Real result: When you choose Prudential,

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When There’s Never Enough Time or Budget

Prudential Ensures Superior Employer Experiences

Reduce your administrative burden and make smarter benefits decisions with Prudential’s exceptional service and

leadership. Our expert account guidance, leading-edge technology, convenient record keeping, and innovative enrollment

combine to create a superior experience for employers. In fact, in our recent Group Insurance Client Relationship Survey,

95% of our clients said they were satisfied with the value of Prudential’s products and services.

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Real Solutions

with Real Results

We Help You Reduce Your Administrative Burden

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Enjoy Effortless Administration with Expert Advice

Our service is fueled by a passion to help you design and administer a benefits program that employees will value and appreciate. You’ll work with some of the best account teams in the business—experienced, responsive, and resourceful people who put your needs first.

Using our proven team approach with subject-matter experts from our organization and yours, we will apply project management principles to implement your plans, smoothly, accurately, and on time. Once your plan is implemented, we’ll continuously monitor results and make recommendations to help you maximize the effectiveness of your program.

Get Immediate Information with Link 2 PRU Benefits

Your authorized personnel will have easy online access to details about your plan. You can run standard reports, or create custom reports tailored to your needs. A report scheduler auto-generates reports and sends you an email when they are complete. You’ll also have access to billing, plan documents, and a host of additional services.

Save Time with Online Evidence of Insurability

Our online evidence of insurability (EOI) for employees and spouses can be accessed through our enrollment website, through a link from your website or your third party administrator’s website, or through a direct link provided to employees. Available in English and Spanish, it significantly reduces the time you’ll spend on EOI by automating the process.

Reduce Your Administrative Load

with Record Keeping Services

Let us streamline the administrative work associated with your plans—and save you time and money. Choose as many or as few services as needed from our robust offering of record keeping services for terminations, claims, portability, and other plan components. All services include toll-free customer support for you and your employees.

Gain Efficiencies and Maximize Participation

with Multi-Year Strategies

With cost-shifting demands, successful enrollments are more critical to the financial success of your plans than ever before. We believe that the most effective way to improve your next enrollment is to capture, analyze, and react to your prior enrollment’s participation results. This is the essence of our multi-year targeted approach to enrollment. By learning from the previous year and understanding the specific needs within your employee population, we’ll work with you to design simplified enrollment campaigns that produce strong results with less time invested.

Real result: When you choose Prudential,

you’ll get more for your time and money.

You Don’t Have to Be Large

to Leverage Innovation

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Real Solutions

with Real Results

We Make It Easy for Your Employees to Get the Coverage

They Need Boost Employee Satisfaction with Quality Service Make It Easy for Employees to Manage Benefits with User-Friendly Systems Accommodate Employee Preferences with a Variety of Communication Methods

Save Time and Eliminate Worry with Fast,

Automated Approvals

When Keeping Top Talent Is at Stake

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Boost Satisfaction with Quality Service

Through every point of contact—from enrollment to policy services, to claims and beneficiary services—your employees will be pleasantly surprised by the high-quality support they receive. In fact, we consistently exceed our standards for prompt reviews and decisions, claim accuracy, and application processing (EOI). Because employees receive prompt, professional service, they spend less time worrying about benefits. This translates to a happier, more productive working environment.

Make It Easy for Employees to Manage Their

Benefits with User-Friendly Systems

We continually enhance our technology tools to create better enrollment and claims experiences for your employees, giving them access to information when they need it. With secure, web-based portals, your employees enjoy the best in timely and professional service. They will have 24/7 access to research options, compare costs, enroll for coverage, check coverage, submit claims, check claim status, and more. Of course, they can also call us toll-free, or use our Interactive Voice Response (IVR) system for some services. For added convenience, the website is also available in Spanish. All of these features make it easier for your employees to make informed decisions about their benefits.

Save Time and Eliminate Worry with Fast,

Automated Approvals

We’ve automated evidence of insurability, offering employees a seamless, simplified process. Those who qualify—about 60% of enrollees—receive instant approval. If additional information is required, the system will prompt the user to answer additional questions. Employees can receive approval based on the additional questions by email, text, or letter.

Accommodate Employee Preferences with a

Variety of Communication Methods

Employees learn and interact in different ways, depending on their age, lifestyle, and personal preferences. Unlike many providers, Prudential strives to accommodate every employee by offering a variety of communication and benefits management tools. Employees can choose the method of interaction that’s most comfortable for them—online, live assistance, or IVR. With Prudential, your employees will discover that managing their benefits is easier than ever before!

Real result: When you choose Prudential,

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When Competition Is Fierce

Gain the Innovative Edge with Prudential

One way to gain the innovative edge is to collaborate with innovative companies. Prudential is a good example.

As a large-market leader, we continually evolve our products, services, and technologies.

Staying One Step Ahead of the Industry with

Innovative Solutions

We gauge current practices and identify future trends through experience, benchmarking studies, and research. We use this information to shape the products and services of the future— not only by guiding Prudential’s innovations, but also by keeping the industry informed through survey publications and white papers.

In addition to recognizing marketplace needs for evolution in plan offerings, outsourced absence management, and more comprehensive enrollment capabilities, Prudential is a leader in retiree benefits funding solutions and global benefits management.

Manage Costs Effectively with Retiree Solutions

Employers have a growing need for guidance on designing retiree benefits programs. Prudential is a leader in this area and has a portfolio of innovative retiree benefits funding solutions that are designed to reduce your liability and the administrative burden of managing a retiree benefits program.

Gain Global Efficiency with Multinational Pooling

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