Prudential Financial, Inc. · NYSE:PRU

Prudential Financial — Investor Presentation (October 2011)

26 slides from Prudential Financial's investor presentation, Oct 14, 2011

  1. Slide 1: Get Peak Protection for You and Your Family

    PRUDENTIAL’S GROUP INSURANCE G tP Get Peakk P Protection t ti for You and Your Family Prudential Long Term Care Solid SolutionsSM Enrollment Enrollment Period: October 14 to November 2, 2011 For Webinars call: 866-657-9739 (Code: 1972537) Th Prudential The P d ti l Insurance I Company C off America

  2. Slide 2: A Special Opportunity to Enroll

    Peak Protection FROM A NAME YOU KNOW AND TRUST A Special p Opportunity pp y to Enroll Prudential Long Term Care Solid SolutionsSM  For You  For Your Family Members  Spouse/Same-Sex Domestic Partner  Parents and Parents-In-law  Grandparents and Grandparents-In-law  Adult Child  Spouse of Adult

  3. Slide 3: You are qualified for coverage now

    You are qualified for coverage now. Coverage is guaranteed provided you enroll and you are actively at work on the effective date of coverage. For Actively at work Employees working After the special enrollment period, evidence of at least 20 hours per week good health is required. (retirees are req

  4. Slide 4: Let's talk…

    Peak Protection FROM A NAME YOU KNOW AND TRUST Let’s talk… talk  What is long-term care?  Why is long-term care insurance needed?  What kind of coverage g can you y g get?  Why should you buy it now?  How and when can you enroll? 4

  5. Slide 5: What is long-term care?

    Peak Protection FROM A NAME YOU KNOW AND TRUST What is long-term long term care? 5

  6. Slide 6: What is long-term care?

    What is long-term care? Long-term Long term care involves… The help or supervision provided for someone with a severe cognitive impairment or who requires assistance with the activities of daily living because of a chronic illness or disability.  Home  Adult day care Care Received In  Assisted li

  7. Slide 7: Long-term care assists with…

    Long-term care assists with… Activities of Daily Living (ADLs)  Bathing  Toileting  Dressing  Continence  Eating  Transferring OR Cognitive Impairment  Severe loss or deterioration of intellectual capacity 7

  8. Slide 8: Why is long-term care insurance advisable?

    Peak Protection FROM A NAME YOU KNOW AND TRUST Whyy is long-term g care insurance advisable? 8

  9. Slide 9: Smart planning includes long-term care insurance

    Smart planning includes long-term care insurance. You need help to:  Protect your assets  Protect your choices  Maintain control 9

  10. Slide 10: Annual costs can be significant

    Annual costs can be significant. $78,475 Nursing Home (semi-private room) Assisted Living [Residential Care Facility] $35, 60 $35,160 National Average Prudential Financial Long g Term Care Cost Study y - Prudential Financial Global Market Research, 2010. www.prudential.com/insurance/longtermcare 10

  11. Slide 11: You and your family may not be protected

    You and your family may not be protected. H lth IInsurance Health N coverage. No Disability Income Typically, no long-term care coverage. Insurance Limited coverage—up to 100 days per benefit Medicare period with restrictions. Limited coverage—after you’ve spent down Medicaid/MediCal* your assets. *

  12. Slide 12: What kind of coverage can you get?

    Peak Protection FROM A NAME YOU KNOW AND TRUST What kind of coverage can you get? 12

  13. Slide 13: You select your coverage amount…

    You select your coverage amount… Plan 1 2 3 4 Facility Daily Benefit (FDB) Nursing home care (and an $125 $175 $250 $325 assisted living/residential care facility) Home Care Benefit $100 $140 $200 $260 (80% of FDB you selected) Lifetime Maximum* 5 year Multiplier $228,125 $319,375 $456,250 $593,125

  14. Slide 14: …and protection against inflation

    …and protection against inflation. Standard Optional G aranteed Purchase Guaranteed P rchase Option Automatic A tomatic Inflation Protection, Protection available at an additional cost Benefit Benefit Dollars Dollars D Premium D Premium 40 67 40 67 Age (years) Age (years) Rates may only be increased

  15. Slide 15: These additional benefits are included

    These additional benefits are included. Cash Alternative Benefit Death Benefit R t ti off Benefits Restoration B fit International Benefit Non-Forfeiture/Shortened Benefit Period Option 15

  16. Slide 16: You have immediate coverage

    You have immediate* coverage. One Benefit Waiting Period: 90 Days Home Support Services Respite Care Information and Referral Services Private Care Consultant Hospice Care Benefit * While Whil you don't d 't needd to t satisfy ti f the th benefit b fit waiting iti period, i d you do d needd to t mee

  17. Slide 17: You'll have access to valuable information

    You’ll have access to valuable information. P d ti l’ Long-Term Prudential’s L T Care C Resource R Center C t Powered by CareScout®  Learn L about b t the th care resources available il bl iin your community it  Get assistance with finding a quality provider  Use the Care Evaluator tool 1. Databa

  18. Slide 18: Why should you buy it now?

    Peak Protection FROM A NAME YOU KNOW AND TRUST Why should you buy it now? 18

  19. Slide 19: Buying later increases total premium

    Buying later increases total premium. Monthly Total Paid Age at Enrollment Annual Premium Premium Rate Premium at Age 80 30 $$15.90 $$190.80 $$9,540.00 , 40 $25.73 $308.76 $12,350.40 50 $47 48 $47.48 $569 76 $569.76 $17 092 80 $17,092.80 60 $96.71 $1,160.52 $23,210.40 This illustration assumes a lif

  20. Slide 20: Advantages of buying it at work

    Advantages of buying it at work… It’ss Guaranteed — for actively at work employees It during Open Enrollment. It’s economical — g group p rates for employer p y g groups. p It’s portable — same plan and premium.* Bill Discounts — 1.67% 1 67% semi-annual discount 5.00% annual discount. It’s easyy onl

  21. Slide 21: Your premiums will be payroll deducted

    Your premiums will be payroll deducted Employees’ and their Spouse/Domestic Partner premiums will be deducted from their paychecks. Eligible Family Members have several payment options:  Monthly — electronic funds transfer only  Quarterly, Semi-Annually, or Annually — via check payment  Quarterly

  22. Slide 22: It's from Prudential

    It’s from Prudential. We honor long-term commitments. We have been a top insurance provider for over 130 years. Get peace We have been underwriting long-term care of mind insurance since 1986 1986. across We have strong resources, financial strength, generations. and stability. We have a name you kn

  23. Slide 23: How and when can you enroll?

    Peak Protection FROM A NAME YOU KNOW AND TRUST How and when can you enroll? 23

  24. Slide 24: Next steps...

    Next steps... Information Sources Go to the Learning Center www.prudential.com/insurance/longtermcare Send an E-mail ltc4me@prudential.com Call Toll Free 800-732-0416 Enrollment Choices Online www.prudential.com/gltcweb/raytheon Enrollment Kit Complete forms 24

  25. Slide 25: Get peak protection for you and your family

    Peak Protection FROM A NAME YOU KNOW AND TRUST Get peak protection for you and your family. Enrollment Period Ends November 2, 2011 Questions? Call 800-732-0416 Online Learning Center www.prudential.com/insurance/longtermcare 25

  26. Slide 26: Peak Protection

    Peak Protection FROM A NAME YOU KNOW AND TRUST Prudential Long Term Care Solid SolutionsSM is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102 [800- 732-0416. This coverage contains benefits, exclusions, limitations, eligibility requirements, and specific ter

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