This video is intended only for the use of the individual or entity to which the package containing the mailing is addressed, and may contain confidential information.


The information contained herein is not for further distribution without the express consent of Prudential Retirement. This video describes product concepts that are not final. It has been prepared for discussion purposes only. It is not an offer to enter into any agreement. This video does not completely describe the terms of any potential transaction or final product design, and any transaction or product design would be subject to applicable legal and regulatory requirements, as well as internal, legal and regulatory approvals, including final legal documentation and approval of the related insurance contract by the applicable state insurance regulator.


If and when Prudential offers any insurance contract in connection with the product concepts outlined in this document, Prudential will price it separately, to the Contract Holder, from any Aetna contract, and the Contract Holder will not be required to purchase the Prudential contract as a condition to purchasing any Aetna contract. In addition, if the Contract Holder purchases the Prudential contract, that contract will remain in effect if the Contract Holder or Aetna terminates or does not renew the Aetna contract and the Contract Holder enters into a comparable replacement program with an insurer other than Aetna, subject to Prudential’s approval of the replacement program, which shall not be unreasonably withheld. The Experience Refund guarantees that 95% of annual unused benefits are returned to the Contract Holder or carried forward for future years’ eligible healthcare expenses.


Prudential does not provide legal, regulatory, tax or accounting advice. Therefore, any plan sponsor and its advisors should seek legal, regulatory, tax and accounting advice regarding the legal, regulatory, tax or accounting implications of the insurance contract. This information is provided with the understanding that the recipient will discuss the subject matter with its own legal counsel, auditor and other advisors. Insurance and reinsurance products are issued by either Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT, or The Prudential Insurance Company of America (PICA), Newark, NJ. Both are wholly owned subsidiaries of Prudential Financial, Inc. Each company is solely responsible for its respective financial condition and contractual obligations.


Guarantees are based on the claims-paying ability of the insurance company and are subject to certain limitations, terms and conditions. Claims-paying ratings represent the opinions of rating agencies regarding the financial ability of an insurance company to meet its obligations under its insurance policies. Prudential Financial, Inc. (PFI) and any of its affiliates, advisors or any person acting on any of its behalf shall (without prejudice to any liability for fraudulent misrepresentation) have no liability whatsoever for loss however arising, directly or indirectly, from the use of the information communicated in or in relation to this video, and they make no representation or warranty, expressed or implied, that the information in this video, or in any further information, notice or other document that may at any time be supplied in connection with the transaction, is accurate, complete or up to date. The information in this video is for the recipient’s use only and is confidential and proprietary to PFI, PICA and PRIAC, and no part of this video or its subject matter may be reproduced, disseminated or disclosed without our prior written approval.


© 2020 Prudential Financial, Inc. and its related entities. Prudential, Prudential Retirement, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc. (PFI) and its related entities, registered in many jurisdictions worldwide. Prudential Retirement is a PFI business.


© 2020 Aetna, Inc. Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna). Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com. Health benefits and health insurance plans contain exclusions and limitations.