Prudential Group Voluntary Term Life Insurance Program

NCPERS offers a supplementary survivor's benefit and insurance program to enhance the financial security of the members of its participating retirement systems. The plan is uniquely designed to augment your retirement system's survivor benefits.

The plan is specially designed for retirement systems, to be offered to eligible members regardless of their health conditions, without any enrollment participation requirements (those active members that want it are assured of getting it), and they can carry this benefit into retirement. Most group life insurance benefits stop or are reduced at retirement. This plan may be continued for life at retirement.

The plan is available to retirement systems with options for either payroll deduction or direct billing to the member's home.

The plan is well designed and financially sound, with the plan reserves committed to maximize benefits to participants. Coverage is issued by The Prudential Insurance Company of America (Prudential). 

QUESTIONS

For questions about the NCPERS Life Plan administration information including life insurance claims, coverage amounts, beneficiary issues and address changes, please contact the Plan's administrator Health Smart Benefit Solutions at 1-800-525-8056 or ncpers@healthsmart.com.

SALES INFORMATION
For sales information about offering the NCPERS Life Plan for your retirement plan or a written proposal, please contact Don Heilman at 1-800-628-5691x2686 or don_heilman@ajg.com.

MORE INFORMATION
For more details on this valuable plan, click the links below:


The NCPERS life insurance program is sponsored by NCPERS.  The life insurance program is underwritten by The Prudential Insurance Company of America (“Prudential”), Newark, NJ.   Membership in NCPERS is required for the Program.   Prudential, and not NCPERS, is solely responsible for administering the benefits under the policy.  The benefits under the policy are guaranteed by Prudential’s general account and are subject  to Prudential’s claims paying ability.

Group Decreasing Term Life Insurance, Dependent Group Decreasing Term Life Insurance, and Accidental Death & Dismemberment Insurance are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, New Jersey. Contract Series: 83500.

This AD&D 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.

The plan is administered by HealthSmart Benefit Solutions, Inc. Gallagher Benefit Services, Inc. and HealthSmart Benefit Solutions, Inc. are not affiliates of Prudential.


0292640                                                                                                                 0292640-000001-00