Adviser use only. Not approved for use with clients.

PruProtectVitality with Lite Rewards.

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‘Encourage people to live a healthier lifestyle and

reward them for doing so’

The objective of theVitality programme

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Our aim is to make people healthier and improve the quality of their lives.

All PruProtect policyholders automatically become a member of our unique Vitality programme with Lite Rewards.

Vitality with Lite Rewards is designed to promote a holistic approach to health and wellbeing.

Vitality aims to achieve behavioural change by providing people with the opportunity to look after themselves and rewarding them for doing so.

What is the Vitality programme all about?

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Three stages of Vitality

Understanding your health status and goals.

Getting and staying healthy.

Enjoying the rewards.3

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Points correct at June 2010

Status Per adult

Bronze 0

Silver 800

Gold 1600

Platinum 2400

Improve Vitality status by earning Vitality points

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Screening

Not smoking

Exercise

Nutrition

Education

Screening

We believe there are 5 key areas to focus on to lead a healthier lifestyle

PRUPM10800 UBD 28.02.11

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Meet your daily walking targets using a Fitbug interactive pedometer

Have a full body check-up with one of our health screening partners

Use our online stress assessments to manage your stress levels

Not smoking

Buy eligible sporting goods from eBay

Use the online nutrition tools

Examples of how to earn Vitality points

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Points awarded

= 1720 - Achieves Gold status

Points exampleAchieve Gold status in 9 months

Basic health screen (Lifestyle Health Assessment)

3 workouts/week

Stress toolsMonth 2 & 9

Every week for 9 months

Month 4

100Health ReviewMonth 1

200Non-smoking DeclarationMonth 3

100

200

100

1080

240

Points correct at June 2010

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Having a health screen at the right time could mean that you pick up early signs of chronic conditions such as cancer, or heart disease.

Early diagnosis can result in faster and more effective treatment.

Screening and fitness assessments

Note: The cost of either two health screens or two fitness assessments or one of each will be subsidised at anytime per policy year.*

* If members choose to have their fitness assessment with Virgin Active or LA Fitness, this will remain free of charge. The new Nuffield Health MOT assessment will be free for Nuffield Health Fitness and Wellbeing gym members, but non-members will be charged £40.

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Points Points limit per year

Personal health review on the Member Zone 100 100

Create a meal plan 50 100

Stress Assessment 10 per assessment 100

Set yourself a Lifestyle Personal goal like maintaining your physical activity level

Variable Variable

The benefits of learning about the basic facts of health are obvious PLUS you can earn Vitality points.

Points correct at June 2010

How to earn Vitality points Education & personal goals

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Points Points limit per week

Workout at participating gym 10 points per workout 40 points per individual

(4 workouts per week)

We’ve partnered with some of the UK’s leading gym networks to offer you the potential for cheaper gym memberships

Points correct at June 2010

How to earn Vitality points Gyms

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Target steps per day 10,000-12,499 12,500+

Vitality points 5 10

National and International activities with published results

1 star events 2 star events

Vitality points 10 20

Exercise 30 min @ 60% MHR 60 min @ 60% MHR

Vitality points 5 10*

Per purchase on eligible sporting goods

Vitality points 20

Maximum of three purchases per year

Points correct at June 2010

*10 points per day from any exercise activity (except 2 star Active Europe events). Maximum 40 points per week.

How to earn Vitality points Exercise

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All policyholders who have a PruProtect Plan that started on or after the 16th November 2008 receive automatic membership to the Vitality programme with Lite Rewards, and a premium structured so that it remains level or decreases depending on engagement in the programme*.

Policyholders who have a PruProtect Plan that started before the 16th November 2008 receive automatic membership to the Vitality programme with Full rewards but with a premium structured so that it could increase depending on engagement in the programme.

* Does not apply to the Essentials Plan.

Vitality with Lite Rewards

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WHAT’S DIFFERENT? The way your Vitality status affects premiums*. Level of discounts received at Vitality partners.

WHAT’S THE SAME

Access to the same partners

Points are earned in the same

ways.

Same amount of points are

needed to improve your Vitality

status.

Vitality status determines the level

of discount received with some

partners.

* Does not apply to the Essentials Plan.

How does the Vitality programme with Lite rewards compare to the Vitality programme with full rewards for PruProtect Plans?

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Engagement level Vitality statusAnnual premium

Change*

High engagement Platinum -2.25%

Medium engagement Gold -1%

Modest engagement Silver No change

No or low engagement Bronze +2.25%

If the indexation option is selected this will affect future changes to the premiums

* Does not apply to the Essentials Plan.

Impact of Vitality status on premiums with Vitality programme with full Rewards

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Engagement level Vitality statusAnnual premium

change*

High engagement Platinum -2%

Medium engagement Gold -1.5%

Modest engagement Silver -1%

No or low engagement Bronze No change

If the indexation option is selected this will affect future changes to the premiums

* Does not apply to the Essentials Plan.

Impact of Vitality status on premiums with Vitality programme with Lite Rewards

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Vitality status Vitality programme with full rewards*

Vitality programme with

Lite Rewards*

Platinum -2.0%

Gold -1.5%

Silver -1.0%

Bronze No change

-2.25%

-1.0%

No change

+2.25

If the indexation option is selected this will affect future changes to the premiums

* Does not apply to the Essentials Plan.

Comparing impact of Vitality status on premiums

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Vitality with Lite Rewards pricing.

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*

Prices correct at June 2010

25% off for full

members

The discount applies to the usual price for full individual monthly

memberships. It cannot be used in conjunction with any other

offer. A £25 activation fee applies for new gym members.

20% off standard

retail

Lite Rewards Pricing: Gyms

PRUPM10800 UBD 28.02.11

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Basic screening Partnership details Retail Price Your price

Roadtohealth

50% off usual retail price for all members

£59.95 £30.00

BMI Essentials £150.00 £75.00

BMI Select £295.00 £147.50

The Diagnostic Clinic £150.00 £75.00

Nuffield Female Health Assessment £270.00 £135.00

Nuffield Lifestyle Health Assessment (male & female) £230.00 £115.00

Full screening

BMI Advanced (male)

50% off usual retail price for all members

£425.00 £212.50

BMI Advanced (female) £460.00 £230.00

BMI Advanced Plus (male) £580.00 £290.00

BMI Advanced Plus (female) £615.00 £307.50

The Diagnostic Clinic £500.00 £250.00

Nuffield 360 Health Assessment (male) £445.00 £222.50

Nuffield 360 Health Assessment (female) £460.00 £230.00

Nuffield 360+ Health Assessment (male) £595.00 £297.50

Nuffield 360+ Health Assessment (female) £610.00 £305.00

Prices correct at March 2010. For the latest prices go to pruprotect.co.uk

Lite Rewards Pricing: Screening

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Bronze Silver Gold Platinum

Standard price

£85 £60 £40 £25

Leisure select supplement – additional £55

Return trips to Paris, Lille or Brussels (3 per year)

Average retail £150

Bronze Silver Gold Platinum

Unlimited price

£100 £90 £75 £55

West End £120 £110 £95 £75

Unlimited annual card allows cardholders to access any film, any day, any time at any of the 74 cinemas

Retail - £162 (exc West End)

Bronze Silver Gold Platinum

Discount 5% 6% 7.5% 15%

Non-members – 5% discount for an additional adult and up to five children

Mark Warner provide holidays to a range of beach and ski resorts

Bronze Silver Gold Platinum

Standard single

£130 £115 £100 £75

Based on per person per night. Tring supplement:£25 per person. Saturday night supplement: £30 per person.

Discounts on stays at Champneys health resorts

Includes a 25 minute body massage and all meals

Retail for standard single £179* 3 per year

Prices correct at March 2010, *Rate shown based on a Friday night stay at Forest Mere. For the latest prices go to pruprotect.co.uk

Lite Rewards Pricing: Partners

PRUPM10800 UBD 28.02.11

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How to book your rewards.

PRUPM10800 UBD 28.02.11

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Locate your preferred Nuffield, Virgin Active or LA Fitness club using our gym finder www.pruprotect.co.uk/gym_locator/index.htm

Call your preferred club to arrange an appointment to view the facilities

Take your PruProtect membership card and one other form of identification. If you like what you see sign up there and then

For LA Fitness you can sign up online at www.lafitness.co.uk/pruhealth

For Nuffield Fitness & Wellbeing centres and Virgin Active please visit pruprotect.co.uk and log in to the Member Zone to authorise your health club payments and activate your membership

Joining the gym

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At Virgin Active, LA Fitness or

Nuffield Health Fitness & Wellbeing centres*

Locate your club of choice www.pruprotect.co.uk/gym_locator/index.htm Call to book in for the assessment at the club directly Bring your PruProtect membership card to the fitness assessment

Booking a fitness assessment

* Fitness assessment is free at Virgin Active and LA Fitness and £40 at Nuffield Health centres if you are not a member. PRUPM10800 UBD 28.02.11

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Vitality works!

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6%

18%

29%

36%

40%

42%

Stopped smoking or cutdown

Had a full health screen

Going to gym more often

Taking steps to improvediet

Looked at on-line healtheducation material

Exercising more regularly

When it comes to changing behaviours, exercise, health education and diet are some of the key areas of customer focus

Driving behavioural change

Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009Sample Size: 1,000 PRUPM10800 UBD 28.02.11

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Affirmation, encouragement, education and rewards for effort are key drivers to engagement

22%

38%

46%

51%

58%

61%

64%

72%

Discounts through Reward Partners

Discounted gym

For renewal rewards

Gives you goals to work towards

Already thinking about making changes & the programmehelped

Keeps health issues more top of mind

Made you think about your lifestyle more

Encourages you to keep doing what you were alreadydoing

Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009Sample Size: 1,000

The key motivators behind engagement

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15%

16%

18%

22%

30%

Had full health screening

Looked at online healtheducation material

Visited gym

Improved diet

Exercised

Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009Sample Size: 680 customers who had changed their behaviour as a result of the Vitality Programme NB: 40% answered none

Activities undertaken in order to earn Vitality points

Point earning activities

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Reward activities

13%

14%

21%

22%

27%

Had full health screening

Looked at online healtheducation material

Improved diet

Visited gym

Exercised

Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009Sample Size: 680 customers who had changed their behaviour as a result of the Vitality Programme NB: 45% answered none

Activities undertaken in order to receive discounts through reward partners

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Vitality Member Zone.

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Complete your Health Review View your Vitality statement Set Health and Lifestyle Goals Complete a stress assessment Create a healthy meal plan Activate your gym membership online Find out about Vitality partners Register your eBay ID and start earning points Submit your screening points Update and maintain your personal details

Examples of things you can do on the PruProtect Member Zone

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Vitality case studies.

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Example

Achieving Silver and then Gold status

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Example

Moving from Bronze to Gold status in nine months

David starts on Bronze Vitality status. By making the effort to be healthy across all areas of Vitality David can improve his status and receive greater renewal rewards and greater discounts with Vitality reward partners.

David

Activity Points

Complete Health Review 100

Non-smokers declaration 200

Stress tools on MZ 100

2 workouts/week 780

Fitness assessment – fairly healthy results

300

Create 2 x meal plans 100

1,640TOTAL VITALITY POINTSSTATUS

Gold

Purchase eligible sporting goods from eBay

60

PRUPM10800 UBD 28.02.11