Your benefit details
If you’re a full-time associate, you automatically receive Basic Life and AD&D Insurance through Prudential at no cost to you. If you want extra coverage, you can elect additional life insurance coverage for yourself, your spouse/domestic partner and child(ren). If you elect additional coverage, your premiums depend on the coverage amount you choose and your age. Premiums are deducted after taxes. You’ll see your exact cost when you enroll.
Associate coverage
- Basic Life Insurance: Your benefit equals 1.5 times your annual salary, rounded up to the nearest multiple of $1,000 (up to $300,000). Frontdoor pays the full cost.
- Basic AD&D Insurance: Your benefit equals 1.5 times your annual salary rounded up to the nearest multiple of $1,000 (up to $300,000). Frontdoor pays the full cost.
- Supplemental Life Insurance: You can elect additional coverage up to $2,000,000 (combined with your Basic Life Insurance coverage amount).
- Supplemental AD&D Insurance: You can elect additional coverage from $20,000 to $100,000 in multiples of $10,000 or from $50,000 to $750,000 in multiples of $50,000.
Spouse and Dependent Supplemental Life Insurance coverage
- Spouse/domestic partner: Choose coverage in amounts of $15,000, $25,000, $50,000, $75,000 or $100,000.
- Your spouse/domestic partner coverage can’t exceed 100% of your basic and supplemental life insurance combined.
- Dependent child(ren): Choose supplemental coverage in amounts of $2,000, $5,000, $10,000, $15,000 or $25,000.
- All dependent children up to age 26 are covered if you enroll in child(ren) coverage.
Spouse/Domestic Partner and Child(ren) AD&D Insurance coverage
- Spouse only: 60% of your coverage up to $60,000 or $450,000
- Dependent child(ren) only: 15% of your coverage up to $15,000 or $112,500 per child
- Spouse and dependent child(ren): 30% of your coverage for your spouse up to $225,000; 10% of your coverage for each child up to $75,000 per child
How it works
- 1
If you're a full-time associate, you’re automatically covered on your hire date.
Frontdoor provides Basic Life and AD&D Insurance equal to 1.5x your annual salary at no cost. No enrollment is required.
- 2
Elect Supplemental Life and AD&D Insurance if you want extra coverage.
You can purchase coverage for yourself, your spouse/domestic partner and your child(ren).
The best time to enroll is during your new hire enrollment, within 30 days of your hire date on Workday. You'll have access to more coverage without having to answer health questions. You can also enroll during Open Enrollment or if you have a qualifying life event.
- 3
Name your beneficiaries.
You can update your beneficiaries in Workday at any time, but it's especially important to review them after major life events like marriage, divorce or the birth of a child(ren). You will need the full name, date of birth, and Social Security number for each beneficiary.
Rules about coverage
Guaranteed issue
Guaranteed issue refers to the amount of life insurance you can buy without having to answer personal health questions.
- For Supplemental Life coverage, the guaranteed issue amount is the lesser of 5x your salary or $1,000,000.
- For Spouse/Domestic Partner Supplemental Life Insurance coverage, the guaranteed issue amount is $50,000.
Evidence of insurability
Evidence of Insurability (EOI), or a health background check, is required in certain circumstances. Prudential uses your EOI to approve or deny your new life insurance coverage amount.
