real challenges. real solutions. real results. 1

Real Challenges. Real Solutions. Real Results.

Slide Title


Record-Keeping Services

� 273 Clients

� 2.8M Covered Employees

� 95% Persistency



Beneficiary andAssignment Services

Accept paper or WebAll records on Web available 24 x 7 Provide confirmationsProcess changes and permit self-serviceRe-solicit for updated records

Termination Services(Portability and Conversion)

Accept termination filesMail materials to terminated employees with two notices Process portability forms Provide ongoing direct-billing for ported policies

Life Claim Facilitation Services

Prepare claims with eligibility dataCollect supporting documents and certified death certificatePerform follow-up mailings Pay claim via SHC’s dedicated claim team

Billing Accept Hewitt and SHC self-billed files Direct bill specified GUL population

Eligibility Prudential will transfer and house records

� 273 Clients� 2.8M Covered Employees� 95% Persistency




Accept paper or Web All records on Web available 24 x 7 Provide confirmations Process changes and permit self-service Re-solicit for updated records


Accept termination files Mail materials to terminated employees with two notices Process portability forms Provide ongoing direct-billing for ported policies


Prepare claims with eligibility data Collect supporting documents and certified death certificate Perform follow-up mailings Pay claim via SHC’s dedicated claim team






Basic / Optional GUL / GVUL

Active Retiree ActiveDirect Bill

Groups












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Basic / Optional GUL / GVUL

Active Retiree ActiveDirect Bill

Groups









� 273 Clients� 2.8M Covered Employees� 95% Persistency How many

saw this?6%

How many could recite the number?2%


Employee Experience: Evaluation and Decision

Return-to-Work Strategy Set return-to-work expectation at beginning of claim Assess and compare capabilities to employee’s current job description Conduct Facilitated Claim Discussions as needed Develop return-to-work plan, including work-site modifications,

part-time work, alternate work, or even modified work Educate employee about his/her options, contractual provisions,

and benefits of returning to work Monitor employee’s progress and communicate plans to all parties

Then, we help your employees get back to work.

KeepEmployerUpdated

Vocational Rehabilitation Services Determine employability during “own occupation” review process Identify obstacles and set up rehabilitation to overcome them

Real Challenges. Real Solutions. Real Results.19

Employee Experience: Data Collection

Next, we collect the required data to build the claim.

Communication Timeline:

Day 1—Absence / Disability Reported Letter to employee E-mail to supervisor and HR Info package with medical certification

sent within five days E-mail to employer for missing info Fax to physician for APSDay 3 Re-fax to physician if APS outstanding Follow-up call and letter to employeeDay 7 Re-fax to physician if APS outstandingDay 14 Follow-up call and letter to employee for

medical certification and APSDay 30 Closure letter to employee if incomplete Closure e-mail to employer

MON TUE WED THU FRI SAT SUN

DAY 1

2DAY

3

4 5

6DAY

7

8 9 10 11 12

13DAY14

15 16 17 18 19

20 21 22 23 24 25 26

27 28 29DAY30


Advantages of Choosing Prudential

Innovative Products and Services Enhanced offerings help keep your employee benefits competitive

Expert Implementation and Account Management

Proven project management staff provides flawless account installation Experienced, responsive account team focuses on value-added service

Best-in-Class Technology Easy access and functionality streamlines program administration

Exceptional Enrollment Capabilities Professional enrollment portfolio gives valuable campaign options

Industry Leader Brand recognition helps ensure employee satisfaction with your carrier selection


GVUL Product Overview

*Loans and withdrawals will reduce the death benefit. In addition, there may be a transaction charge assessed. The prospectus contains more detail. Please note, if your cash contribution exceeds certain limits and your GVUL 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 (including distributions made in the two years prior to becoming a MEC). 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 to you, Prudential will notify you in writing of your status and advise you of your current options (if any) and by when you must respond. Prudential is not authorized to give tax advice. Please consult a tax advisor.

Permanent Life Insurance Unreduced coverage to max age 100 Continuation rates same as active rates with evidence of insurability Variable death benefit—face amount + certificate fund

Variable Investment Options Up to 20 mutual fund portfolios from nationally recognized

investment managers Fixed account current rate is 3.4% (3% minimum guaranteed rate)

Tax Advantages

Tax-deferred gain Cost basis gain offset—total premiums and charges paid,

less any tax-free distributions, offset gain* Access to cash value through tax-free withdrawals or loans,

generally without penalty* Tax-free transfers among investment options Variable death benefit income tax free to beneficiaries

Specialized Service Dedicated Customer Service Center and Self-Service platform

real challenges. real solutions. real results. 1

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