Special Risk Insurance

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1 A Leader i Employee Beefits Solutios Special Risk Isurace Prudetial Group Isurace The Prudetial Isurace Compay of America (Prudetial)

2 A Results-Drive Solutio From a Name You Kow ad Trust Sice 1875, the Prudetial brad has bee syoymous with helpig people achieve fiacial security ad peace of mid. Our well-kow Rock symbol is a ico of stregth, stability, expertise, ad iovatio that has stood the test of time. Prudetial has bee helpig cliets ad their employees meet beefits challeges sice 1916, whe we first bega uderwritig group isurace plas. Today, our Group Isurace busiess uit is the atio s secodlargest group life carrier, with more tha $2 trillio i group life isurace coverage.1 Prudetial s life isurace ad special risk plas have protected more tha 13,000 employers ad 23 millio employees ad their loved oes.1 We are well recogized across all market segmets for the breadth ad depth of our life ad special risk products ad services. Our idustry-leadig beefits solutios have expaded coverage, helpig to meet the eeds of a chagig workforce ad busiess eviromet. The drivig force of our customer-orieted philosophy is simple: Every Prudetial professioal is committed to givig you ad your employees the ultimate i customer service. Our combiatio of fiacial stregth, prove experiece, iovative products, ad excellet service allows us to help satisfy the cost ad value requiremets of your employee beefits programs.2 2

3 Real Challeges Call for Iovative Solutios Employers like you face umerous challeges. Amog the most pressig are reducig beefits costs ad relievig admiistrative burde o your staff. You re also focused o attractig ad retaiig taleted employees with the right beefits plas ad keepig those plas fiacially strog. Your employees also face challeges whe it comes to beefits. They wat access to desirable coverages that help protect them ad their families. Employees wat to uderstad their beefits so they ca make iformed decisios whe addig volutary isurace. Ad they wat prompt, courteous, kowledgeable service. Prudetial has a strategic alliace with the firm of Johso Rooey Welch, Ic. (JRW), who acts as the atioal maagig uderwriter for Prudetial s special risk portfolio. JRW is expert i desigig ad uderwritig Basic Accidetal Death ad Dismembermet (AD&D)3 Isurace, Volutary AD&D Isurace, ad Busiess Travel Accidet Isurace. JRW, a compay recogized for iovatio i the area of isurig special risk, has iveted may types of accidet beefits that have become idustry stadards, such as payig beefits for depedets educatio ad for day care. Most importatly, Prudetial s flexible, itegrated special risk products feature: Coverages for employee, spouse, ad depedet childre Employer-paid ad employee-paid fudig optios Competitive group rates Basic ad Volutary Accidetal Death ad Dismembermet (AD&D) Isurace Protects agaist loss of life, ijuries, ad paralysis resultig from covered accidets. Additioal beefits are available for covered accidets where seat belts ad airbags are used. We also offer optioal provisios for paralysis ad coma, exposure ad disappearace, retur of remais, feloious assault, spouse or child tuitio reimbursemet, day care expeses, ad more. Busiess Travel Accidet (BTA) Isurace Covers accidetal death or ijuries occurrig durig busiess trips. We also offer plas that cover travel for pleasure, ad a choice of high coverage amouts, executive carve-outs, corporate-owed, leased, or cotrolled aircraft, large aggregate limits ad blaket war risk protectio (except the Uited States ad isured s coutry of permaet residece). Specific Special Risks Provides temporary coverage for uusual aggregate limits, episodic evets (i.e., sales cofereces, covetios, etc.), amed idividuals for special coverage amouts while o temporary assigmet, ad other exposures ot cotemplated uder ormal circumstaces. Travel Assistace Services delivered by AXA Assistace USA* Offers worldwide travel, medical, ad legal assistace plus emergecy repatriatio/evacuatio trasportatio beefits for employees, their spouses, ad depedet childre whe travelig domestically or iteratioally 100 miles or more away from home. * Certai services may ot be available i some market segmets. The Travel Assistace services are optioal services. These services are provided by AXA Assistace USA. Prudetial is ot resposible for the services provided by AXA Assistace USA but helps coordiate billig for these services with its premium billig. 3

4 Protectig Employees Agaist Special Risks, Without Icreasig Cost or Admiistrative Burde Whe you choose Prudetial as your isurace carrier for special risks such as war, accidet, or travel, your employees ad their loved oes get the protectio they eed. You get a cosultative parter that helps reduce your beefits costs ad saves you ad your staff time ad resources. A Cosultative Approach to Coverage Prudetial s Group Isurace uderwritig ad actuarial methodologies have developed over the more tha 90 years we ve bee doig busiess. We ca desig a Itegrated Accidet Program that sychroizes beefits ad esures cosistet policy provisios across all accidet plas. Icosistecies ca happe whe a employer istalls multiple plas ad does ot itegrate their defiitios, beefit schedules, coverages ad exclusios, ad other critical compoets. From time of proposal through the life of the case with Prudetial, our uderwritig techicias are available to assist i measurig ad supportig competitive ad fiacially soud beefit programs. At Prudetial, we are experts i coverig difficult ad complex special risks ad are uiquely positioed to help develop 4 isurace solutios to meet your compay s eeds. As your cosultative parter, we will thik creatively ad respod proactively to meet ad exceed your expectatios. Our experieced accout maagemet team will help you maage ad admiister your pla, providig resposive, value-added service. The team will work closely with you to seamlessly implemet your program, the meet regularly to review ad recommed actio throughout the life of the pla. A Wealth of Market Segmet Expertise Prudetial uderstads the specific risks that your busiess or istitutio may face as you protect your employees ad their loved oes. We have a wealth of expertise whe it comes to the followig market segmets: Automotive Muicipalities Defese Pharmaceutical Egieerig Retail Fiacial Services School Districts Health Care Techology Maufacturig Uiversities

5 Easy, Olie Pla Admiistratio A Array of Record Keepig Services Our goal is to cotiuously improve our customers experiece that s why we regularly ivest i ehacig the techology that serves our cliets ad their employees. Admiisterig your plas is easy thaks to Prudetial s coveiet, cliet-focused processes. With self-service, web-based portals, we offer coveiet access to real-time iformatio i a secure eviromet. Our portals cotai a Message Ceter for importat otices, a Cotact Us feature that allows easy commuicatio with us, ad a list of customer support toll-free umbers. Users ca access our web portals: Maitaiig records for your group life isurace coverages ca be a challege. With Prudetial s record keepig services, you ca simplify this process. We provide all the support ad iformatio your employees eed at every touch poit before they eroll, while they are erolled, ad whe their employmet eds. L ik 2 PRU Beefits Our customized employer site provides access to cotracts, pla documets, olie claim submissios, claim data, billig, reports, ad a host of other services usig oe idetificatio ad password. Prudetial offers three levels of service Core, Cocierge, ad Full to assist you with maagig your group life isurace coverages. All of our record keepig services come with excellet customer support for you ad your employees. Cocierge is the optio we recommed to cliets. Your Prudetial represetative ca provide details regardig each service level ad ay fees that may apply. M y PRU Beefits Employees ca review coverage iformatio, chage life or AD&D isurace beeficiaries, prit forms ad pla documets, ad utilize a host of additioal services 24/7. Employees also have the optio of schedulig a coveiet time for a Eglish- or Spaish-speakig customer service professioal to call them back. Erollmet Solutios Suited to Your Needs Our may years of experiece with cotributory ad volutary plas have eabled us to build iovative erollmet solutios that deliver real results. We welcome the opportuity to work with you or your third-party admiistrator to develop erollmet strategies to suit your culture ad help build your participatio levels. Based o your eeds, we ca provide ed-to-ed erollmet, or you ca select specific services to supplemet your plaed activities. With our tailored commuicatios, we help your employees lear about the eed for this valuable protectio agaist special risks, ad to uderstad their persoal eeds. We offer easy, olie erollmet i both Eglish ad Spaish for your employees ad their spouses. 5

6 Expect Real Results for You, Your Employees, ad Their Loved Oes Prudetial is raked third i AD&D sales for 2012, represetig a year-over-year growth of over 28%.4 We pride ourselves o providig outstadig customer service to our cliets ad their employees, ad coduct regular surveys about our performace. Here are some recet results: 6 95% Overall MM ad NAO Cliet Satisfactio6 96% for Overall Beeficiary Satisfactio6 9 1% Satisfactio with Group Life Call Ceter Service Specialty Products 7 Let us help you with your beefits program as we have helped thousads of other employers across the Uited States.

7 For more iformatio, cotact your Prudetial represetative today or visit us olie at

8 Choose Solutios That Help Deliver Results Life Isurace Basic, Optioal, ad Depedet Term Life Basic ad Optioal Accidetal Death & Dismembermet Busiess Travel Accidet Group Uiversal Life Group Variable Uiversal Life Executive Group Variable Uiversal Life Disability Isurace ad Services Short Term Disability Log Term Disability Itegrated Short & Log Term Disability State Madated Disability Absece Maagemet Retur to Work Services Retiree Solutios Isurace Cotiuace Fud Variable Isurace Cotiuatio Fud Retiree Life Buyout Group Uiversal Life Isurace Group Variable Uiversal Life Isurace Executive Group Variable Uiversal Life Isurace Volutary Retiree Reducig Term Life Isurace Retiree Portability Global Solutios Multiatioal Poolig Prudetial Zurich Global Beefit Solutios Captive Reisurace No-Qualified Beefits Corporate Owed Life Isurace Trust Owed Life Isurace Bak Owed Life Isurace Statutory Aual Statemet of Prudetial (Blue Book). Cliet couts ad lives covered are based upo umber of cotracts ad certificates i force This policy provides ACCIDENT isurace oly. It does NOT provide basic hospital, basic medical, or major medical isurace as defied by the New York State Departmet of Fiacial Services. 4 LIMRA, 2012 Aual Survey of Group Life Isurace. 5 The Prudetial Isurace Compay of America, 2012 Group Isurace Middle Market ad Natioal Accout Cliet Relatioship Survey. 6 Prudetial Group Life Beeficiary Satisfactio Survey, year-to-date as of Jue 30, Prudetial Group Isurace Trasactioal Studies, Jue IMPORTANT NOTICE THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. Life ad Disability Isurace coverages are issued by The Prudetial Isurace Compay of America, 751 Broad Street, Newark, NJ The Group Cotract discusses all details, icludig ay policy exclusios, limitatios, ad restrictios, which may apply. Cotract Series: Group Variable Uiversal Life Isurace is issued by The Prudetial Isurace Compay of America ad distributed through Prudetial Ivestmet Maagemet Services LLC ( PIMS ). The Prudetial Isurace Compay of America is located at 751 Broad St., Newark, NJ ad PIMS is located at Three Gateway Ceter, 14th Floor, Newark, NJ Both are Prudetial Fiacial compaies. Cotract Series: The uderwritig maagemet firm of Johso Rooey Welch, Ic., 2250 Douglas Blvd., Suite 210, Roseville, CA 95661, has a strategic alliace with The Prudetial Isurace Compay of America to desig ad market special risk isurace programs. Johso Rooey Welch, Ic. is ot a Prudetial Fiacial compay. The Real Challeges Solutios Results logo is a registered service mark of The Prudetial Isurace Compay of America Prudetial Fiacial, Ic. ad its related etities. Prudetial, the Prudetial logo, the Rock symbol, ad Brig Your Challeges are service marks of Prudetial Fiacial, Ic. ad its related etities, registered i may jurisdictios worldwide

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