Producer Briefing Book - Prudential Financial · 2. For Financial Professional Use Only — Not for...

Prudential Group Insurance

PRODUCER BRIEFING BOOK

The Prudential Insurance Company of America

For Financial Professional Use Only — Not for use with the public

0302241-00001-00

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2 For Financial Professional Use Only — Not for use with the public2

Employers and associations face real challenges when making

decisions about their benefits plans. That is why they turn to you —

you help guide them in the direction of the right solutions to meet

their organization’s unique needs.

As a leader in the group insurance industry, The Prudential Insurance

Company of America (Prudential) understands the impact of your role

and the need to put your trust with carriers that shape it. When your

customers award Prudential their business, we will reinforce their

confidence in you as a trusted partner by providing them and their

employees with the world-class products and services that can only

come from an industry leader.

3For Financial Professional Use Only — Not for use with the public

BUILDING BETTER BENEFITS EXPERIENCES TOGETHER: THE WELLNESS EFFECT™

When financial security is within reach for everyone, the impact is felt

everywhere. That’s what Prudential believes. We know that when people

worry less about money, and have access to the guidance and solutions

they need, the benefits show. They’re more engaged at work. They live

with balance and purpose. They achieve goals and set bigger ones. And

they give more to their world. This is The Wellness Effect.

Prudential is investing in the power of The Wellness Effect. And when you

partner with us to unlock its power, you’ll experience a unique and truly

top-to-bottom approach that can start conversations, open new doors,

enhance your value, and grow your business.

Our financial wellness programs can help you grow your business

Solve customers’ growing need to maintain the continuity and productivity of their businesses.

We make it easier for your customers to attract and retain top talent —

as well as help their employees protect themselves against unavoidable

risks — with financial wellness programs that are:

ff Comprehensive and holistic

ff Turnkey and cost-effective

ff Modular and customizable

Strengthen and deepen your customer relationships.

You’ll have more opportunities to engage with your customers. For example,

we provide analytics and reporting that help your customers with:

ff A richer fact base that delivers consultative value via plan design

recommendations

ff A new view of employee progress, helping to inform future financial

wellness investments

Drive additional revenue opportunities.

Providing solutions that help customers close financial wellness gaps

can also improve employee interest/participation in voluntary benefits,

expanding your practice focus.

And they can help your customers and their employees

When individuals experience The Wellness Effect, it translates into an

impact that is measurable in terms of employee satisfaction, heightened

productivity, and reduced absenteeism. And every employer wants that.

4

OUR ORGANIZATION

ff Headquartered in Roseland, NJ

ff Satellite offices in Dresher, PA; Portland, ME; Scottsdale, AZ

ff 23 field offices nationwide

ff Approx. 2,000 employees

Product Years of Experience Number of Customers Participants Covered

Life 100 + Over 9,0001 More than 20 million1

AD&D 60 + Over 5,8002 More than 4.7 million2

Long Term Disability 60 + Over 3,1003 More than 2.1 million3

Short Term Disability 60 + Over 2,5003 More than 1.3 million3

OUR DISTRIBUTION AND SERVICE STRUCTURE

Sales Premier Accounts National Accounts

Case Size 100 – 4,999 lives 5,000 + lives

Sales Team Premier Sales Executive National Sales Executive

Account Management Premier Accounts National Accounts

Case Size 100 – 4,999 lives 5,000 + lives

Service Team Premier Account Executive Premier Account Manager

National Account Executive National Account Manager

Service Team Experience Average 15 years Average 20 years


5

YOUR PRUDENTIAL TEAM


Chuck BrousseauVice President, Head of Distribution 443-860-1951 [email protected]

Bob LoveVice President, National Accounts, Sales & Account Management 973-548-6296 [email protected]

Bob DonaherVice President, Premier Accounts, Sales & Account Management 215-588-7414 [email protected]

Jessica GillespieVice President, Strategic Partnerships 267-329-8095 [email protected]

National Account Organization

Bob LoveVice President, National Accounts, Sales & Account Management 973-548-6296 [email protected]

John StadtmillerRegional Vice President, National Sales & Account Management — East Region 973-548-6154 [email protected]

Diane BellaRegional Vice President, National Sales & Account Management—Great Lakes Region 973-548-6584 [email protected]

Mark RosenthalRegional Vice President, National Sales & Account Management — West Region 818-263-8570 [email protected]


Premier Account Organization

Bob DonaherVice President, Premier Accounts, Sales & Account Management 215-588-7414 [email protected]

Ron WitthohnRegional Vice President, Premier Sales & Account Management — Central Region 214-750-5067 [email protected]

Stu BreretonRegional Vice President, Premier Sales & Account Management — Northeast Region 215-784-3513 [email protected]

Shelley CascioRegional Vice President, Premier Sales & Account Management — Southeast Region 813-286-2352 [email protected]

Jack TresolineRegional Vice President, Premier Sales & Account Management — Great Lakes Region 614-472-2223 [email protected]

Dave HeilRegional Vice President, Premier Sales & Account Management — West Region 925-949-5617 [email protected]

Strategic Partnerships

Jessica GillespieVice President, Strategic Partnerships 267-329-8095 [email protected]

Patricia PayneDirector, Strategic Partnerships 312-542-3033 [email protected]

Joe CorbelliDirector, Strategic Partnerships 321-765-4966 [email protected]

Andrew QuinlanDirector, Exchange & Voluntary Benefit Partnerships 973-548-6036 [email protected]

Candice AllardProducer Relations Manager East Region 813-287-5090 [email protected]

Jessica Strikwerda Producer Relations Manager West Region 818-263-8585 [email protected]


MORE THAN EVER, FINANCIAL WELLNESS MATTERS.Individuals enjoy financial wellness when they can effectively manage their day-to-day finances, save for long-term goals, and protect themselves

financially from unexpected risks. When a workforce shifts behavior to become financially well, the effects are measurable in terms of employee

satisfaction, heightened productivity, and reduced absenteeism.

To deliver on this, we use a unique three-phased approach: DISCOVERDiscover opportunities using sophisticated tools and insights to carefully analyze and continually measure performance to inform next steps.

DESIGN Design and deliver other solutions using our product and service capabilities to help address specific challenges and complement your existing offerings.

INSPIREINSPIRE employees to take action to improve their overall financial wellness, through tools and education.

We’ve aligned our supporting capabilities with each aspect of this approach, and our products

and services within this structure, to help drive success: Discover, Design, and Inspire.

DISCOVER

We help our customers discover opportunities using sophisticated tools

and insights to carefully analyze and continually measure performance

to inform next steps.

ff The Prutection ScoreSM — Together with participation analysis,

this proprietary tool analyzes employee needs, pinpointing gaps in

coverage for specific employee groups and providing group-level

insights to help your customers gain a true understanding of the

specific coverages and plan design options that they can offer to

their employees to help improve financial wellness. With supporting

research and analysis provided by Ernst & Young Insurance and

Actuarial Advisory Services.

ff Participation analysis — Evaluate employee census data to identify

coverage gaps across age, income, and gender.

ff Plan design benchmarking — Refines benefit plan designs to better

address employee financial needs and marketplace trends.

ff Health and productivity analytics — Drives the right data-driven

discussion for your customers, focused on opportunities and action,

to pinpoint opportunities to improve workforce productivity.

ff Financial Wellness Portal — Engages employees on their financial

health and provides employers with insights.

ff Self-Assessment Tool — Gives employees access to an assessment

of their financial wellness and suggestions on areas of focus.

Designed to complement our Prutection Score, the tool can provide

all data gathered in aggregate to help your customers gain a better

understanding of employee behaviors and financial need.

8 For Financial Professional Use Only — Not for use with the public

DESIGN

Your customers can rely on us to design and deliver solutions using

our product and service capabilities to help address specific challenges

and complement their existing offerings.

Budgeting and Account Aggregation tool

Enables employees to manage personal finances efficiently through

the consolidation of financial accounts on a single site and allows them

to create and maintain a budget across different spend categories.

Life (Including AD&D Insurance and Retiree and Global Solutions)

Solutions that help address the key financial risk of loss of income

due to premature or accidental death.

ff Expedited life claim process — Assists beneficiaries during

a difficult time by not requiring a death certificate for claims

less than $50,000.

ff Seamless assistance when coverage ends — When an employee

who loses coverage contacts Prudential’s Group Insurance Call

Center, they can schedule a complimentary, face-to-face meeting

with a local, licensed, and registered financial professional. The

financial professional can guide the employee through the coverage

continuation (portability and conversion) process and educate them

on options, like individual insurance and other opportunities, to help

secure their financial future.

ff Comprehensive support — Superior life claim processing, best-in-

class technology with “push” and “pull” reporting, and employee self-

service. Prudential offers core or full record-keeping services to assist

your customers with managing their Group Life Insurance coverages.

All our record-keeping services come with comprehensive customer

support for your customers and their employees. Your Prudential

representative can provide details regarding each service level and

any fees that may apply.

ff Accidental Death & Dismemberment (AD&D) — The leading cause

of death for people under 45 is accidents.4 For your customers, AD&D

plans are available on a stand-alone basis or as a supplement to

their Basic Term Life and Optional Term Life coverages. Plans feature

high coverage amounts with no medical evidence of insurability

required. Voluntary AD&D Insurance makes it easy for your customers

to help enhance employee financial wellness by providing access to

this valuable coverage.

ff Special Risk coverage — Affordable rates, no EOI, and flexible

plan designs. We can offer plans with high coverage amounts,

large aggregate limits, travel on aircraft, and blanket war risk

protection (with certain exceptions), as well as temporary coverage

for unusual aggregate limits, episodic events, and other exposures

not contemplated under normal circumstances.

ff Life benefits expertise — High degree of plan sponsor satisfaction

(based on customer satisfaction and customer persistency),

experienced sales and account management teams, and proactive

responsiveness to customer needs.

ff Wide-ranging enrollment options — Online/phone enrollment,

easy online and mobile EOI, targeted enrollment materials by life

stage, customer-specific or personalized enrollment kits, selection

of high-quality standard collateral enrollment materials, and custom

enrollment campaigns.


Retiree Solutions

Your customers have access to several options to control their retiree life

liabilities and costs. We can consult with them on plan design changes,

offer products designed to offset or remove their liabilities, or position a

suite of voluntary retiree products that do not accumulate a future liability.

ff Retiree Life Buyouts (RBOs) — Enables employers to remove the

entire retiree life liability from their balance sheet for a distinct

group of retirees by transferring the mortality and investment risk

to Prudential through a single premium payment. RBOs provide

administrative ease to employers by eliminating most of the

administration related to these retirees. Additionally, employers may

chose a related product, Insurance Continuance Funds, which enables

employers to pre-fund retiree benefits during the working years of

employees with a plan asset.

ff GUL — Includes services that cover every aspect of the GUL

enrollment process—from campaign planning and management

to effective employee communications and meetings.5 Employees can

view account information, change beneficiaries, request withdrawals

or loans, and more by visiting our secure GUL self-service website.5

ff GVUL — We offer the same enrollment options to your customers as with

GUL, plus their employees can use our robust online enrollment system

to select face amounts and investment options. An account manager

experienced in GVUL oversees all aspects of customer service and

our dedicated GVUL service center handles all recordkeeping. The

secure GVUL service center offers employees similar services to those

included with the GUL site, or they can call the GVUL service center.

Global Solutions

ff Multinational Pooling — As the exclusive U.S. associate insurer of

two of the world’s leading multinational pooling networks, Insurope

and International Group Program (IGP),6 Prudential can offer access

to the advantages of global financial arrangements.

ff Captive Reinsurance — Prudential provides the same high level

of service and support as a ceding carrier for captives that we do

for any traditional insurance arrangement.

Disability

Disability Insurance helps with the risk of loss of income due to

an injury or illness.

ff Expanded Health & Productivity Consulting and Analytics Team —

drives the right data-driven discussion for your customers, focused

on opportunities and action.

ff Focus on Disability Claims — Through return-to-work research and

productive aging thought leadership, targeted to you.

ff Advanced technology — Our newest capabilities include two-way

texting to claimants and user-friendly web portal enhancements that

gives employers and employees 24/7 access, in addition to other

system enhancements. This on top of a single platform for all absence

and disability events, a paperless process automated by our proprietary

claims management system, strong online capabilities, real-time

online reporting and tracking, and value-added analytical reporting.

ff Superior disability claim management approach — Employee-

focused disability management with personalized support throughout

the claim and a passion for providing a superior claim experience.

ff Expert absence management services — Consistent, compliant

leave administration that adapts to customers’ cultures and other

benefits programs, helps reduce risk exposure to penalties or litigation,

and helps minimize the expenses associated with employee absence.


ff Innovative Return to Work Services — Compassionate support

and resources to proactively transition disabled employees back to

work. We build a partnership between the employer, employee, and

physician to help drive positive outcomes. Prudential offers real-time

reporting to validate and confirm employee return-to-work status,

plus a suite of optional services that provide vocational resources and

other consultative expertise.

ff Responsive customer service — Customized, flexible service,

including one call center for intake and service, staffed by

experienced absence and disability professionals.

Critical Illness

Critical Illness Insurance helps address out-of-pocket medical and non-

medical costs due to a critical illness.

ff Valued protection when it’s needed — Critical Illness Insurance

gives your customer’s employees the opportunity to purchase coverage

at affordable, age-banded rates and to enroll for certain coverage

amounts without proof of good health. Benefit is conditioned upon the

occurrence of a covered condition. Payment can be used for whatever

purpose the employee chooses, without restriction.

As part of our standard offering, a Reoccurrence Benefit allows an

insured to receive an additional benefit payment for the second

diagnosis of a previously covered condition, subject to policy limita-

tions. Additionally, the Lifetime Maximum benefit provides protection

against more than one covered condition.

Accident

Accident Insurance helps address the out-of-pocket medical and non-

medical costs due to an injury resulting directly from an accident.

ff A simplified claims process that’s easier for everyone — Unlike

traditional Accident Insurance, which requires claims to be filed

after every treatment, Prudential’s approach requires a claim to be

filed after an accidental injury and diagnosis — and that’s it. Your

customer’s employees can even file claims and check status online

24/7, or they can use our standard process.

ff Payments based on diagnosis — A claim is paid at the time of

diagnosis — no need to incur expense or undergo treatment.

ff Greater plan design flexibility — Employers can choose what’s

covered under the plan. Plus, our Accident coverage can be integrated

with AD&D Insurance benefits for an even more robust offering.

DESIGN

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INSPIRE

We inspire your customers’ employees to take action to improve

their overall financial wellness, through tools and education.

ff Prudential PathwaysSM provides a full suite of on-site financial education

to suit the needs and communication preferences of employees and

to help them identify their needs. We work with your customers to

determine the combinations that can work best for their situation. We

will also expand employee reach through a digital platform.

ff Financial Wellness Portal will help employees identify opportunities

to improve their financial health through tools, short articles and

videos, and more, and will help give employers general insight into

employee financial challenges.

ff Digital Financial Education enables scalable engagement

with employees on key financial issues.

ff Enrollment support — We support your customers’ enrollments

whether they take place on an employer’s or third-party vendor’s

enrollment site. We can help them assess and improve their

enrollment experience and integrate critical capabilities such as our

real-time Needs Estimators and EOI Connect, both of which have been

enhanced. The latter asks employees fewer questions, helping to boost

the rate of instant approvals to 70%.7

ff Enrollment website — Designed with employees in mind, our intuitive

website uses a targeted communications approach, rendering

educational information, plan choices, and imagery based on the

user’s demographic profile. Two navigation paths let employees

either enroll immediately or choose to review the costs of coverages

and access educational materials before making benefit decisions.

Employees can also answer health questions online, if required.



CONVENIENT AND CUSTOMER- FOCUSED TECHNOLOGYThe technology behind our tools helps infuse our products and services

with The Wellness Effect. But we also continue to invest in and upgrade

technology to enhance our customer-focused plan administration services

and systems. With self-service, web-based portals, we offer our customers

convenient access to real-time information in a secure environment.

ff Link2Benefits — Our customized, online employer portal, providing

easy access to contracts, plan documents, claim submissions and

data, and billing, plus a host of other online services. In addition,

employers can customize life claims reports and integrated leave and

disability reports based on the data and structure that meet their needs.

Employers have 24/7 online access to the reports, and they can be

emailed to appropriate personnel at employer-selected time frames.

ff My Benefits — Our employee website, available 24/7 to review

coverage information, change life insurance beneficiaries, check

claim status, submit notice of absence and disability, check absence

and disability status, download forms and plan documents, and more.

Employees may also schedule a phone appointment with an English-

or Spanish-speaking customer service professional.

EXPERIENCE PARTNERSHIP WITH A GROUP BENEFITS LEADERThe Prudential brand has been synonymous with helping people achieve financial security and peace of mind since 1875. And for over 100 years, Prudential Group Insurance has worked to ensure the continuity of life and business by helping clients and their employees meet their benefits challenges—and ensure financial wellness. Prudential’s strong history and commitment instills trust and confidence with:

ff Tailored benefit programs, with a consultative approach, that help improve plan performance.

ff Service experiences that make it easy to do business.

ff Protection solutions that concentrate on employee financial wellness.

Today, Prudential is the second-largest carrier of group life insurance and a leading disability insurance carrier,8 with solid financial strength ratings:9

ff A.M. Best: A+

ff Standard & Poor’s: AA-

ff Moody’s: A1

ff Fitch: AA-

For up-to-date information about our ratings, please visit www.investor.prudential.com.

OUR VALUABLE RELATIONSHIP WITH YOUPrudential recognizes the value of maintaining strong, collaborative relationships with producers. Together we can help your customers master benefit challenges and empower their employees to experience The Wellness Effect. We work with you to develop and review your customers’ plan designs, and provide the right resources to help you provide exceptional customer service. We offer:

ff Expert associates — Our highly trained, experienced professionals are ready to deliver solutions.

ff Producer microsites — Your associates can easily access our latest tools and information through a Prudential-maintained website.

ff Leading-edge research — Our research provides the critical insight on emerging trends and issues that can help your customers hone their companies’ benefit strategies.

ff Webinars — Based on Prudential’s research, our interactive webinars feature insight from Prudential experts to help you gain a richer understanding of trends shaping the ever-evolving benefits marketplace.

ff Continuing education — Our Real Advantage CE courses are held throughout the year, plus lunch ‘n’ learns are available upon request.

http://www.investor.prudential.com

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A DIVERSE AND FLEXIBLE PRODUCT PORTFOLIO Prudential’s product portfolio enables customers to get multiple, top-quality coverages from a single carrier. We offer Life, Disability, Critical Illness,

and Accident Insurance, as well as retiree and global solutions and non-qualified benefits.

Life Insuranceff Basic, Optional, and Dependent Term Life

ff Basic and Optional Accidental Death & Dismemberment

ff Business Travel Accident

ff Group Universal Life

ff Group Variable Universal Life

ff Executive Group Variable Universal Life

Disability Insurance and Servicesff Short Term Disability

ff Long Term Disability

ff Integrated Short & Long Term Disability

ff State Mandated Disability

ff Absence Management*

ff Administrative Services (ASO and ATP)

ff Return to Work Services

ff ADAdvocateTM Accommodation Support Services

Critical Illness Insurance

Accident Insurance

Retiree Solutions ff Insurance Continuance Fund

ff Retiree Life Buyout

ff Group Universal Life Insurance†

ff Group Variable Universal Life Insurance†

ff Executive Group Variable Universal Life Insurance†

ff Voluntary Retiree Reducing Term Life Insurance

Global Solutions6

ff Multinational Pooling

ff Captive Reinsurance

Non-Qualified Benefits ff Corporate Owned Life Insurance

ff Trust Owned Life Insurance

ff Bank Owned Life Insurance

COMMITTED TO EXCELLENCEff 96% of customers are satisfied with

their Prudential relationship10

ff 95% of customers are satisfied with the overall

value of Prudential10

ff 95% are satisfied with their account team contact10

ff 94% of customers say that Prudential is “easy to do business with”10

ff 97% of life claim beneficiaries are satisfied with our overall claims service11

EXPERIENCE. PRUDENTIAL.

Through a robust portfolio of group insurance offerings and

extensive industry expertise, we simplify the entire process

so that businesses and individuals can feel that they are

protected from unavoidable risks.

† The primary purpose of life insurance products is to offer a death benefit.

*Available to customers with 1,000 or more lives.

1 2015 Statutory Annual Statement of Prudential Excerpts (Blue Book). Client counts and lives covered are based upon number of contracts and certificates in force on the Exhibit of Life Insurance. 2 LIMRA, 2015 Annual Survey of U.S. Group Life Insurance. Client counts and lives covered are based upon number of contracts and certificates in force. 3 LIMRA, 2015 Annual U.S. Group Disability Sales and Inforce Survey. Client counts and lives covered are based upon number of contracts and certificates in force. 4 “10 Leading Causes of Death by Age Group, United States, 2014.” National Vital Statistics System, National Center for Health Statistics, CDC. 5 An additional premium tax may apply. If the cash contribution exceeds certain limits and the GUL coverage becomes a “Modified Endowment Contract” (MEC), different tax rules, and in some cases, penalties apply for lifetime distributions such as loans, withdrawals, and assignments. A MEC can result from premium payments or from a reduction in coverage (such as the purchase of paid-up life insurance). If this applies, Prudential will notify the employee in writing of the status and advise of current options (if any) and by when the employee must respond. Prudential is not authorized to give tax advice. Please consult a tax advisor. 6 Insurope and International Group Program (IGP) are not Prudential Financial companies. 7 Prudential Group Insurance Book of Business Results, 2015. 8 LIMRA, 2015 Annual Surveys of U.S. Group Life and Group Disability Insurance. 9 As of February 8, 2017. AAA (Extremely Strong) is the highest of 24 ratings that Standard & Poor’s extends, the lowest being R (has experienced regulatory action), and is a measure of claims-paying ability. Aaa (offers exceptional financial security) is the highest of 21 ratings that Moody’s extends, the lowest being C (having extremely poor prospects of ever offering financial security), and is a measure of financial security. A++ (Superior) is the highest of 15 ratings that A.M. Best extends, the lowest being F (In Liquidation), and is a measure of claims-paying ability. AAA (Exceptionally Strong) is the highest of 21 ratings that Fitch Ratings extends, the lowest being D (Distressed), and is a measure of insurer financial strength. Ratings are not an indication of any variable portfolios’ performance, which fluctuates with market conditions. Ratings are not a guarantee of future financial strength and/or claims-paying ability. 10 The Prudential Insurance Company of America, 2015 Group Insurance Customer Relationship Survey. 11 Prudential Group Life Claims Beneficiary Satisfaction Survey, 2015.

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

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

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 Department of Financial Services.

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.Group Critical Illness and Group Accident Insurance coverages are limited benefit policies issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Group Critical Illness and Group Accident Insurances are not substitutes for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Group Critical Illness

Critical Illness, Accident and Accidental Death & Dismemberment plans are NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage, you may be subject to a federal tax penalty.Group Life, Disability, Accidental Death & Dismemberment, and Group Universal Life Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply.

GVUL 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 in Newark, NJ and PIMS is located in Newark, NJ. Both are Prudential Financial companies.

This Material is for informational or educational purposes only. The information is not intended as investment advice and is not a recommendation about managing or investing assets or retirement savings. In providing these materials, Prudential is not acting as your fiduciary as defined by the Department of Labor.

PruPathways seminars are provided by a Prudential Financial Professional with The Prudential Insurance Company of America and are not intended to market or sell any specific products or services. Offering this seminar does not constitute an endorsement of Prudential products or services in any way.

The Prutection ScoreSM is a measure of how prepared a group of employees is for the risks of (1) premature death, (2) loss of income due to an illness or injury, (3) out-of-pocket expenses related to an illness or injury, and (4) outliving assets. For each of these risks, the Prutection Score is the ratio of Funds Available to Funds Needed, which is estimated using employee demographic information, Prudential survey data, and a variety of credible external industry and government sources. While the first three risks take into account actual coverage amounts employees have to help protect them against those risks (e.g., Life, Disability, CI and Accident Insurance), the Outliving Assets Risk does not (e.g., no actual employee retirement assets and deferral rates). The Outliving Assets risk does not evaluate the sufficiency of employer’s or employee’s retirement plans and does not constitute retirement advice. The Prutection Score is not intended to advise you or any of your employees what their specific financial needs might be or the exact amount of coverage any one individual might need now or in the future. The resulting scores are to be used for an entire group of employees or large demographics within a group. Results are not to be used at an individual level. Individuals should contact a financial professional regarding their personal situation. Prudential is not responsible for uses made of this information inconsistent with the description provided here.

Prutection Score is a service mark of The Prudential Insurance Company of America.

©2017 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.

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