1. 1 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

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

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

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

5. 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. 6 Get financial support. Helps you maintain financial independence and preserve assets. Allows you to choose who provides your care and where you receive it. Helps provide better care/life balance during a difficult period. Prudential Long Term Care Insurance

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

8. 8 You select your coverage amount… Daily Benefit Maximum (DBM) Nursing home care & assisted living facility $100$150$200$250$300$350 Home and Community-Based Care Daily Benefit Maximum (75% of the DBM you selected) $75$113$150$188$225$263 Lifetime Benefit Maximum* 3-year 5-year 10-year $109,500 $182,500 $365,000 $164,250 $273,750 $547,500 $219,000 $365,000 730,000 $273,750 $456,250 $912,500 $328,500 $547,500 $1,095,000 $383,250 $638,750 $1,277,500 Your “Pool of Money” * An unlimited lifetime maximum is also available

9. 9 …and protection against inflation. Standard Periodic Inflation Protection Optional Automatic Inflation Protection Benefit Age (years) Dollars Rates may only be increased on a rate-class basis. Age (years) 4067 Premium 4067 Premium

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

11. 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. 12 Buying later increases total premium. Age at Enrollment Monthly Premium Rate Annual Premium Total Paid Premium at Age 80 30 $10.15$121.80 $6,090.00 40 $16.71$200.52 $8,020.80 50 $29.42$353.04 $10,591.20 60 $63.16$757.92 $15,158.40 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. 13 Advantages of buying it at work… It’s economical. It’s portable. It’s easy.

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

15. 15 Some limitations and exclusions apply. Work-Connected Conditions Charge Government Plan Charge Self-Inflicted Injury or Suicide Exclusion Services and Supplies Outside U.S. Exclusion Treatment for Chronic Alcoholism or Chemical Dependency Exclusion War, Felony, Riot, or Insurrection Exclusion An Outline of Coverage, with complete plan information, including limitations and exclusions, will be provided.

16. 16 Prudential Long Term Care SM 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. Peak Protection FROM A NAME YOU KNOW AND TRUST