Special Risk Insurance - Prudential

A Leader in Employee Benefits Solutions
Special Risk Insurance
Prudential Group Insurance
The Prudential Insurance Company of America
0220801

A Results-Driven Solution
From a Name You Know and Trust
Since 1875, the Prudential brand has been synonymous
with helping people achieve financial security and
peace of mind. Our well-known Rock symbol is an icon
of strength, stability, expertise, and innovation that
has stood the test of time.
Prudential has been helping clients and their employees
meet benefits challenges since 1916, when we first
began underwriting group insurance plans. Today, our
Group Insurance business unit is the nation’s secondlargest
group life carrier, with more than $1.8 trillion
in group life insurance coverage. 1 Prudential’s life
insurance and special risk plans have protected more
than 13,000 employers and 26 million employees and
their loved ones. 1
We are well recognized across all market segments
for the breadth and depth of our life and special risk
products and services. Our industry-leading benefits
solutions have expanded coverage, helping to meet the
needs of a changing workforce and business environment.
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

Real Challenges Call for Innovative Solutions
Employers like you face numerous challenges. Among the most
pressing are reducing benefits costs and relieving administrative
burden on your staff. You’re also focused on attracting and retaining
talented employees with the right benefits plans—and keeping
those plans financially strong.
Your employees also face challenges when it comes to benefits.
They want access to desirable coverages that help protect them
and their families. Employees want to understand their benefits so
they can make informed decisions when adding voluntary insurance.
And they want prompt, courteous, knowledgeable service.
Prudential has a strategic alliance with the firm of Johnson Rooney
Welch, Inc. (JRW), who acts as the national managing underwriter
for Prudential’s special risk portfolio. JRW is expert in designing
and underwriting Basic Accidental Death and Dismemberment
(AD&D) 2 Insurance, Voluntary AD&D Insurance, and Business Travel
Accident Insurance.
JRW, a company recognized for innovation in the area of insuring
special risk, has invented many types of accident benefits that
have become industry standards, such as paying benefits for
dependents’ education and for day care. Most importantly,
Prudential’s flexible, integrated special risk products feature:
n Coverages for employee, spouse, and dependent children
n Employer-paid and employee-paid funding options
n Competitive group rates
Basic and Voluntary Accidental Death and Dismemberment
(AD&D) Insurance—Protects against loss of life, injuries, and
paralysis resulting from covered accidents. Additional benefits are
available for covered accidents where seat belts and airbags are
used. We also offer optional provisions for paralysis and coma,
exposure and disappearance, return of remains, felonious assault,
spouse or child tuition reimbursement, day care expenses, and more.
Business Travel Accident (BTA) Insurance—Covers
accidental death or injuries occurring during business trips.
We also offer plans that cover travel for pleasure, and a choice of
high coverage amounts, executive carve-outs, corporate-owned,
leased, or controlled aircraft, large aggregate limits and blanket
war risk protection (except the United States and insured’s country
of permanent residence).
Specific Special Risks—Provides temporary coverage for
unusual aggregate limits, episodic events (i.e., sales conferences,
conventions, etc.), named individuals for special coverage amounts
while on temporary assignment, and other exposures
not contemplated under normal circumstances.
Travel Assistance Services delivered by AXA Assistance USA*—Offers worldwide travel, medical, legal assistance plus emergency
repatriation/evacuation transportation benefits for employees, their spouses and dependent children when traveling domestically or internationally
100 miles or more away from home.
*Certain services may not be available in some market segments. The Travel Assistance services are optional services. These services are provided by AXA Assistance USA.
Prudential is not responsible for the services provided by AXA Assistance USA but helps coordinate billing for these services with its premium billing.
3

Protecting Employees Against Special Risks,
Without Increasing Cost or Administrative Burden
When you choose Prudential as your insurance carrier
for special risks such as war, accident, or travel, your
employees and their loved ones get the protection they
need. You get a consultative partner that helps reduce
your benefits costs and saves you and your staff time
and resources.
A Consultative Approach to Coverage
Prudential’s Group Insurance underwriting and actuarial
methodologies have developed over the more than 90 years
we’ve been doing business. We can design an Integrated
Accident Program that synchronizes benefits and ensures
consistent policy provisions across all accident plans.
Inconsistencies can happen when an employer installs
multiple plans and does not integrate their definitions,
benefit schedules, coverages and exclusions, and other
critical components. From time of proposal through the life
of the case with Prudential, our underwriting technicians
are available to assist in measuring and supporting
competitive and financially sound benefit programs.
At Prudential, we are experts in covering difficult and complex
special risks and are uniquely positioned to help develop
insurance solutions to meet your company’s needs. As your
consultative partner, we will think creatively and respond
proactively to meet and exceed your expectations. Our experienced
account management team will help you manage and administer
your plan, providing responsive, value-added service. The team
will work closely with you to seamlessly implement your program,
then meet regularly to review and recommend action throughout
the life of the plan.
A Wealth of Market Segment Expertise
Prudential understands the specific risks that your business
or institution may face as you protect your employees and
their loved ones. We have a wealth of expertise when it comes
to the following market segments:
Automotive
Defense
Engineering
Financial Services
Health Care
Manufacturing
Municipalities
Pharmaceutical
Retail
School Districts
Technology
Universities
4

Easy, Online Plan Administration
Our goal is to continuously improve our customers’ experience—
that’s why we regularly invest in enhancing the technology that
serves our clients and their employees. Administering your plans
is easy thanks to Prudential’s convenient, client-focused processes.
With self-service, web-based portals, we offer convenient access
to real-time information in a secure environment. Our portals
contain a Message Center for important notices, a Contact Us
feature that allows easy communication with us, and a list
of customer support toll-free numbers. Users can access our
web portals:
n Link 2 PRU Benefits—Our customized employer site provides
access to contracts, plan documents, online claim submissions,
claim data, billing, reports, and a host of other services using
one identification and password.
An Array of Record Keeping Services
Maintaining records for your group life insurance coverages can
be a challenge. With Prudential’s record keeping services, you can
simplify this process. We provide all the support and information
your employees need at every touch point—before they enroll,
while they are enrolled, and when their employment ends.
Prudential offers three levels of service—Core, Concierge, and Full—
to assist you with managing your group life insurance coverages.
All of our record keeping services come with excellent customer
support for you and your employees. Concierge is the option we
recommend to clients. Your Prudential representative can provide
details regarding each service level and any fees that may apply.
n My PRU Benefits—Employees can review coverage information,
change life or AD&D insurance beneficiaries, print forms and
plan documents, and utilize a host of additional services 24/7.
Employees also have the option of scheduling a convenient
time for an English- or Spanish-speaking customer service
professional to call them back.
Enrollment Solutions Suited to Your Needs
Our many years of experience with contributory and voluntary
plans have enabled us to build innovative enrollment solutions
that deliver real results. We welcome the opportunity to work
with you or your third-party administrator to develop enrollment
strategies to suit your culture and help build your participation
levels. Based on your needs, we can provide end-to-end
enrollment, or you can select specific services to supplement
your planned activities.
With our tailored communications, we help your employees learn
about the need for this valuable protection against special risks,
and to understand their personal needs. We offer easy, online
enrollment in both English and Spanish for your employees
and their spouses.
5

Expect Real Results for You,
Your Employees, and Their Loved Ones
Prudential is ranked second in AD&D sales for 2010, representing n 97% for Overall Call Center Performance 6
a year-over-year growth of over 44%. 3 We pride ourselves on
n
providing outstanding customer service to our clients and their 98% for Employer Satisfaction with Online Life Services 4
employees, and conduct regular surveys about our performance.
n 96% for Employee Satisfaction with Online Life Services 4
Here are some recent results:
Let us help you with your benefits program as we have helped
n 98% for Overall Client Satisfaction 4
thousands of other employers across the United States.
n 95% for Overall Beneficiary Satisfaction 5
6

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
Long Term Care Insurance
n Group Long Term Care
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
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
Dental Insurance and Services
n PPO and Indemnity Dental
1 2010 Statutory Annual Statement of Prudential (Blue Book). Client counts and lives covered are based upon number of contracts and certificates in force.
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.
3 LIMRA, 2010 Annual Survey of Group Life Insurance.
4 2009 Prudential GI Client Satisfaction Benchmarking Survey.
5 2010 Group Life Beneficiary Service Satisfaction Survey.
6 December 2009 Call Center Satisfaction Survey.
IMPORTANT NOTICE—THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
Life, Disability, Long Term Care and Dental Insurance coverages are issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102. The Group Contract discusses
all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500 and 96945.
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.
The underwriting management firm of Johnson Rooney Welch, Inc., 2250 Douglas Blvd., Suite 210, Roseville, CA 95661, has a strategic alliance with The Prudential Insurance Company
of America to design and market special risk insurance programs. Johnson Rooney Welch, Inc. is not a Prudential Financial company.
© 2012 Prudential Financial, Inc. and its related entities.
The Real Challenges Solutions Results logo is a registered service mark of The Prudential Insurance Company of America.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 123804
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