Level Premium Term Insurance Plan
Exclusions and Notices
Exclusions
Life Insurance: payable for death from any cause, except suicide within two years after the effective date of inception of coverage or an increase of coverage.
Accidental Death and Dismemberment Insurance: loss must occur as a result of an accident while insured and within 90 days* after injury is sustained. Losses not covered are those resulting from war, act of war, suicide, attempt at suicide, bodily or mental infirmity or disease or treatment thereof, any bacterial or viral infection (unless the infection was the result of an accidental injury or bacterial infection which results from the accidental ingestion of contaminated substances), or travel in an aircraft except as a passenger without duties aboard.
*The limit for Oregon residents is 180 days. There is no days limit that applies to residents of Pennsylvania.
Important Notices
For simplicity, features have been briefly described here and on this web site and appear more fully in the certificates provided to insured participants. Governing provisions and details are contained in the Amended Agreement and Declaration of Trust and the Level Premium Term Life Insurance Plan established according to its terms. The extent of the insurance for each individual is governed at all times by the complete terms of the master group insurance policy issued by Prudential.
Prudential cannot give legal or tax advice. Please consult your tax advisor. The Level Premium Term Life Insurance Plan is subject to applicable laws and regulations.
The Prudential Insurance Company of America, a Prudential Financial Company, is the underwriting company and is licensed in all states, the District of Columbia, Guam, Puerto Rico and the United States Virgin Islands. Principal offices are 751 Broad Street, Newark, NJ 07102-3777, Phone: 973-802-6000. The Plan Agent is Aon Insurance Services, 159 E. County Line Rd., Hatboro, PA 19040-1218, Phone: 800-223-7473.
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