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PRUDENTIAL’S GROUP INSURANCE

PRUDENTIAL’S GROUP INSURANCE. Get Peak Protection for You and Your Family. Prudential Long Term Care SM Insurance. The Prudential Insurance Company of America IFS-A114564 Ed. 0206 100612 0206. Peak Protection. FROM A NAME YOU KNOW AND TRUST.

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PRUDENTIAL’S GROUP INSURANCE

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  1. PRUDENTIAL’S GROUP INSURANCE Get Peak Protection for You and Your Family Prudential Long Term CareSM Insurance The Prudential Insurance Company of America IFS-A114564 Ed. 0206 100612 0206

  2. Peak Protection FROM A NAME YOU KNOW AND TRUST What is Long Term Care?

  3. Why is Long Term Care insurance advisable? Peak Protection FROM A NAME YOU KNOW AND TRUST

  4. Annual costs can be significant. Prudential Financial Long Term Care Cost Survey, August 2008

  5. What if you saved the premium dollars? Funds available from LTC Insurance with Auto Inflation, 5% compounded interest Funds available from saving premium equivalent dollars at 4% after taxes For illustration purposes only: 45-Year Old, $100 Daily Benefit Maximum, 50% Home and Community-Based Care Benefit, 90-Day Elimination Period, Five-Year Lifetime Maximum Benefit. Available funds may vary based on benefit selections and claim payments.

  6. Get financial support. Prudential Long Term Care Insurance Helps you maintain financial independence and preserve assets. Allows you to choose who provides your careand where you receive it. Helps provide better care/life balance during a difficult period.

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

  8. You select your coverage amount… Your “Pool of Money” * An unlimited lifetime maximum is also available

  9. …and protection against inflation. Standard Periodic Inflation Protection OptionalAutomatic Inflation Protection Benefit Benefit Dollars Dollars Premium Premium 40 67 40 67 Age (years) Age (years) Rates may only be increased on a rate-class basis.

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

  11. Buying earlier means lower premiums. This illustration assumes five years of coverage with a $100 a day Nursing Home Benefit, $60 a day Home Care Benefit, 90-day Elimination Period, and Periodic Inflation Protection. Subject to any rate guarantee that might apply, Prudential has the right to change premium rates in the future, but only on a class basis.

  12. Buying later increases total premium. This illustration assumes five years of coverage with a $100 a day Nursing Home Benefit, $75 a day Home Care Benefit, 90-day Elimination Period, and Periodic Inflation Protection. Prudential has the right to change premiums at any time after the rate guarantee expires, but only on a rate-class basis. Consult your accountant or tax consultant regarding potential tax advantages.

  13. Advantages of buying it at work… It’s economical. It’s portable. It’s easy.

  14. Peak Protection FROM A NAME YOU KNOW AND TRUST www.prudential.com/gltc Group Name: dukeltc Password: enrollment For more Information, visit:

  15. Some limitations and exclusions apply. An Outline of Coverage, with complete plan information, including limitations and exclusions, will be provided.

  16. Peak Protection FROM A NAME YOU KNOW AND TRUST Prudential Long Term CareSM Insurance 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 terms and provisions under which the insurance coverage may be continued in force or discontinued. The Prudential Insurance Company of America is authorized to conduct business in all U.S. states and the District of Columbia. All insurance policies/options may not be available in your state. Coverage is issued under Contract Series 83500. This is a solicitation for Long Term Care insurance. Nothing in this presentation is intended to guarantee eligibility for coverage or payment of any claim. Actual coverage is subject to the terms and conditions, including limitations and exclusions, set forth in the actual insurance agreement. Prudential and the Rock logo are registered service marks of The Prudential Insurance Company of America.

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