Capabilities Portfolio - Prudential

A Leader in Employee Benefits Solutions
Prudential Group Insurance
The Prudential Insurance Company of America
0236570

A Results-Driven Solution
From a Name You Know and Trust
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.
Our combination of financial strength, proven experience,
innovative products, and excellent service allows us to help
satisfy the cost and value requirements of your employee
benefits programs.
2

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.
n Enhance cash flow and increase benefit control with
global solutions and captive reinsurance.
At Prudential, we understand the real challenges you face,
and we’re here to help.
3

When You Need to Achieve More with Less
Prudential Delivers Robust, Flexible Product Solutions
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.
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 2
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 4
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.
4

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,
you can achieve more with less.
5

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. 6
Enjoy Effortless
Administration with
Expert Advice
Gain Efficiencies
and Maximize
Participation
with Multi-Year
Strategies
Real Solutions
with Real Results
We Help You Reduce
Your Administrative Burden
and Guide Smarter
Benefits Decisions
Get Immediate
Information with
Link 2 PRU Benefits
Reduce Your
Administrative
Load with
Record Keeping
Services
Save Time
with Online EOI
6

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.
You Don’t Have to Be Large
to Leverage Innovation
We meet the sophisticated needs of large market clients
by building new and innovative solutions—and then
we make those valuable solutions available to
employers of all sizes.
Real result: When you choose Prudential,
you’ll get more for your time and money.
7

When Keeping Top Talent Is at Stake
Prudential Treats Your Employees Like Family
If your goal is to bolster satisfaction with benefits, you can rely on Prudential to do the right thing for your
employees. Our responsive service, convenient technology, fast approvals, and flexible benefits management
tools make it easy for employees to get the coverage they need.
Boost Employee
Satisfaction with
Quality Service
Accommodate
Employee Preferences
with a Variety of
Communication
Methods
Real Solutions
with Real Results
We Make It Easy
for Your Employees
to Get the Coverage
They Need
Make It Easy
for Employees to
Manage Benefits with
User-Friendly Systems
Save Time and
Eliminate Worry with Fast,
Automated Approvals
8

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,
employees have more satisfaction with less effort.
9

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
To help global companies provide employee benefits efficiently
and economically, Prudential offers multinational pooling — an
accounting arrangement coordinated by a pooling network that uses
local insurance carriers worldwide to provide suitable benefits.
We are aligned with two international pooling networks —
International Group Program (IGP) and Insurope — both leaders
in the international insurance market whose members are
top-quality insurance providers.
10
If you’re ready for solutions that address your real challenges,
Prudential is ready to deliver results.

For more information, contact your Prudential representative today
or visit us online at www.prudential.com/gi.

Choose Solutions That Help Deliver Results
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
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.
© 2012 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc.
and its related entities, registered in many jurisdictions worldwide. 21908
0236570-00001-00