Retiree Life Solutions

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1 A Leader i Employee Beefits Solutios Retiree Life Solutios Prudetial Group Isurace The Prudetial Isurace Compay of America

2 Results-Drive Solutios 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 secod-largest group life carrier, proudly servicig 13,000 employers ad isurig more tha 23 millio employees ad their families.1 Prudetial is well recogized for the breadth ad depth of our life products ad services. We have expertise i providig quality isurace coverage to active employees ad retired idividuals. Our cotiued iovatio helps esure that you have retiree life solutios available to you that keep pace with a ever-chagig busiess eviromet ad shiftig worker demographic. 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, excellet service, ad iovative products allows us to help satisfy the cost ad value requiremets of your employee beefits programs. 2

3 Retiree Beefits Preset Real Challeges for Employers ad Employees As employee demographics shift toward a older workforce, the prospect of cotiuig to provide retiree beefits raises ew challeges for compaies. Retiree beefit costs are icreasig as more ad more baby boomers retire ad compaies are addig additioal retirees through mergers or acquisitios. Busiesses are faced with icreasig pressure to decrease beefits costs at a time whe they are tryig to protect retirees ad their loved oes. Retiree beefits also come with certai liabilities, such as FAS 106 (ASC 715).* A FAS 106 liability occurs whe a employer promises to pay a retiree life isurace beefit i the future. That liability must accrue o the balace sheet durig the active years ad ito retiremet. Retirees ofte eed more support tha active employees, makig admiistratig life beefits a complicated ad time-cosumig process for a beefits staff. Employees are cofroted with a umber of challeges, too. They eed to protect loved oes with valuable life isurace beefits to help cover burial expeses, medical bills, housig expeses, ad icome replacemet. But as employees head toward retiremet, securig or maitaiig affordable, quality coverage may be difficult. It s also importat that employees uderstad their coverage choices ad receive prompt, courteous, ad kowledgeable service ad to kow their beeficiaries will be take care of i the same way. Retiree life isurace is part of a competitive beefits program that attracts ad retais taleted workers. Accordig to Towers Watso, 64% of large compaies maitai post-retiremet life isurace beefits. 2 Retiree life ad other retiree solutios from The Prudetial Isurace Compay of America (Prudetial) help employers like you protect your employees ad their loved oes, while givig you cost ad admiistrative advatages. *Accoutig Stadards Codificatio (ASC) Topic 715, Compesatio Retiremet Beefits 3

4 Miimizig Costs ad Admiistrative Burde while Protectig Retirees ad Their Loved Oes By leveragig Prudetial s rage of life isurace products, you ca offer retirees the valuable coverage they eed while maagig your costs ad FAS 106 liabilities. At the same time, you ca miimize work for your beefits staff. Some possible solutios iclude: P la Desig Cosideratios By aalyzig your retiree life pla desig, we ca help you uderstad your future costs ad cosult with you o optios to maximize value. I surace Cotiuace Fud This product pre-fuds retiree costs durig the active years, helpig to pay for retiree life isurace ad offset the FAS 106 liability o the books. R etiree Life Buyout This employer-fuded optio removes the liability, ivestmet, ad mortality risk o a distict group of retirees. G roup iversal Life (GL) Isurace The employee ca cotribute to GL s Cash Accumulatio Fud durig the active years, so there is eough moey to cotiue the pla ito retiremet or buy paid-up life isurace. V olutary Retiree Reducig Term (RRT) Life Isurace A employee-paid optio, RRT provides a affordable ad easy way to provide coverage i the retiremet years. The chart below illustrates who pays ad whe fudig begis for the retiree life solutios Prudetial offers. The top portio shows solutios paid for by the employer; the bottom, oes paid for by the employee. The left side shows fudig that starts before retiremet, ad the right side highlights fudig that starts at, or ca cotiue ito, retiremet. The Spectrum of Retiree Life Solutios Retiremet Age Employer Paid Active Years Retiremet Years FAS 106 Liability (ASC 715) Retiree Term Isurace Cotiuace Fud Employee Paid Retiree Life Buyout Group iversal Life Volutary Retiree Reducig Term Prudetial does ot provide tax, legal, or accoutig advice. Therefore, the employer should cosult its ow tax advisor ad/or accoutig advisor regardig the tax implicatios ad/or FAS 106 accoutig implicatios of the retiree life liability trasfer arragemets they eter ito with Prudetial. 4 Pla Desig Chages Pla Desig Chages

5 Pla Desig Cosideratios By uderstadig the short-term fiacial impact of your curret beefit structure, we ca work with you to idetify cost-effective optios to structure ad fiace your retiree programs. Isurace Cotiuace Fud (ICF) A ICF is a pla asset that offsets the FAS 106 liability because it has bee segregated ad restricted to pay retiree term life premiums. These pla assets are tax-advataged vehicles fuded by the employer durig the active years, which help pay for the cost of retiree life isurace. Because the retiree term life isurace premium is pre-fuded, the chace that you will be able to cotiue the retiree life beefit is icreased. The ICF has several cost advatages for employers. First, the cotributios are tax-deductible up to DEFRA limits, which is typically premium associated with volumes up to $50,000. Plus, the fud ears tax-deferred iterest. Prudetial deducts the retiree term life isurace premium from the ICF each moth. We also coduct a full fiacial accoutig of the premium, beefit charges, ad retetio at year-ed, ad sed the report to you. Retiree Life Buyout A retiree life buyout allows you to remove the FAS 106 liability o a distict group of retirees by payig a lump-sum premium. By lowerig your total liabilities, you ca i tur lower your debt-to-equity ratio, which may improve your credit ratig. The retiree life buyout guaratees that Prudetial will ever charge additioal premium regardless of actual mortality or ivestmet experiece. You will ever have to worry about a rate icrease or a reewal o this group at the ed of a rate guaratee period. Your liability is capped at the lump-sum premium you paid. A buyout allows for a accelerated tax deductio up to DEFRA limits. Oce retirees are removed from a active/retiree combied pla, the rate may improve. I additio to takig over the fiacial liability, Prudetial also hadles most of the admiistratio, icludig retiree commuicatio, beeficiary records ad updates, call ceter iquiries, ad claims processig. Group iversal Life (GL) Isurace GL Isurace allows employees to make decisios about their coverage eeds post-retiremet. Begiig whe the employee is active, employee-fuded GL Isurace combies life isurace with a tax-deferred, fixed-iterest rate Cash Accumulatio Fud. A employee ca cotribute to the Cash Accumulatio Fud so there is eough moey to pay for isurace durig retiremet. The employee ca cotiue this beefit to age 100 by pre-fudig the Cash Accumulatio Fud, payig the cost of isurace o a quarterly basis, or purchasig paid-up life isurace. like employer-paid term life isurace, GL does ot accumulate a FAS 106 liability because there is o promise by the employer to pay for a beefit at retiremet. With GL coverage, Prudetial hadles the majority of the record keepig, icludig beeficiary chages ad assigmets, claim preparatio, ad customer service. Volutary Retiree Reducig Term (RRT) Life Isurace A ew ad excitig offerig, Volutary RRT is desiged to provide a affordable beefit i a marketplace that offers few retiree-pay-all optios. All retirees uder age 100* are eligible to eroll, ad all are eligible for a age-based guarateed issue amout, with maximums based o age. As the ame implies, coverage reduces as retirees age ito ew premium rates. But rates go up at the same rate that coverage reduces, keepig overall costs stable ad affordable. This isurace is writte as part of the active pla ad features a guarateed issue amout of $15,000 for ew etrats. With Volutary RRT, there is o employer beefit cost or FAS 106 liability carried by the employer. Because Prudetial takes care of erollmet ad billig, there is o additioal admiistrative burde created by offerig this coverage. All we eed is a list of eligible retirees each moth, ad we ll mail to them, or you ca, based o your preferece. *Except for NY sitused cases, where coverage will termiate at age 80. 5

6 Expect Real Results for You, Your Retirees, ad Their Loved Oes At Prudetial, our expert teams are well versed i each retiree life solutio we offer ad are able to positio the appropriate solutio(s) based o the uique eeds of your orgaizatio. Our cosultative approach to beefits focuses o learig more about your eeds so we ca help determie which solutio or solutios are most appropriate for your compay, workforce, ad retiree populatio. Whe you choose Prudetial as your carrier for retiree solutios, you have a variety of optios available to you to protect employees without the admiistrative hassle or icreased FAS 106 liability. You will optimize the value of your beefits plas with a choice of solutios targeted toward active employees ad retirees at various stages of the employmet cotiuum, helpig keep your beefits plas fiacially strog. We pride ourselves o providig outstadig customer service for employers, employees, retirees, ad their beeficiaries, ad coduct regular surveys about our performace. Here are some recet results: 95% for Overall Cliet Satisfactio3 96% for Overall Beeficiary Satisfactio4 92% for Overall Call Ceter Performace5 Retiree Life Solutios: Results at a Glace 6 Cost Liability Admiistrative Employee Advatage Advatage Advatage Advatage Pla Desig Cosideratios Isurace Cotiuatio Fud Retiree Life Buyout Group iversal Life Volutary Retiree Reducig Term

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 iversal Life Group Variable iversal Life Executive Group Variable iversal 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 iversal Life Isurace Group Variable iversal Life Isurace Executive Group Variable iversal 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. 2 Accoutig for Defied Beefit Pesios ad Other Postretiremet Beefits, 2012 Reportig der.s. GAAP Amog Fortue 1000 Compaies. Towers Watso. 3 The Prudetial Isurace Compay of America, 2012 Group Isurace Middle Market ad Natioal Accout Cliet Relatioship Survey. 4 Prudetial Group Life Beeficiary Satisfactio Survey, year-to-date as of Jue 30, Prudetial Group Isurace Trasactioal Studies, Jue 2012 Group Life, Accidetal Death & Dismembermet, 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: ad Group Variable iversal Life Isurace Coverages are 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: Ivestors should cosider the cotract ad the uderlyig portfolios ivestmet objectives, risks, ad charges ad expeses carefully before ivestig. The cotract s prospectus ad the uderlyig portfolio s prospectus cotai iformatio relatig to ivestmet objectives, risks, ad charges ad expeses as well as other importat iformatio. Cotact your fiacial professioal for the prospectuses. You should read the prospectuses carefully before ivestig. 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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