Life Insurance
Protect what matters most.
Whether you’re just starting out or getting ready for retirement, life insurance can help protect your family’s future. Once you're eligible for benefits, you can enroll or drop this coverage at any time.

Peace of mind for you and yours.


Company-paid insurance

Full-time associates get
automatic coverage equal to
your annual pay, up to $50,000.


Upgrade options

Choose up to $200,000 for hourly
associates, or $1 million for
salaried associates and drivers.


Family coverage

Cover your spouse/partner
and your children up to age 26.

How much do you need?
Find out in seconds with this life insurance calculator
Life insurance calculator
Why life insurance?

Think about what would happen if you were gone. You might be leaving funeral expenses, unpaid bills, or even debts. If you have a family, they’d need help with living expenses, education costs, and more.


Life insurance lets you breathe easy knowing that everyone who depends on your income will be provided for.

Company-paid coverage

All full-time hourly associates and salaried associates automatically receive company-paid life insurance. For full-time hourly associates, you’re automatically covered starting on the first day of the calendar month during which your 89th day of continuous full-time employment falls. For salaried associates, you’re automatically covered from your date of hire. If you change to part-time, your coverage will end on the last day of your last full-time pay period.


Your benefit amount is equal to your pay, including overtime and bonuses, during the 26 pay periods of active status immediately before your death. This number is rounded to the nearest $1,000, up to a maximum of $50,000.


If you’re terminally ill, you can choose to receive up to 50% of the amount your beneficiaries would have received after your death, while you’re still living.


For more information, contact Prudential at 877-740-2116 or visit You’ll find also find plan details in the Associate Benefits Book.

Optional coverage

You can also purchase optional coverage. For full-time associates, this adds to the amount of your company-paid insurance,

  • Hourly associates: up to $200,000.
  • Management associates: up to $1 million.
  • All full-time associates: spouse/partner coverage up to $200,000.
  • All associates including part-time: child coverage up to $20,000 per dependent.

How much is right for you? That depends on your age, income and the quality of life you want your loved ones to continue to have after you're gone. To help decide, ask yourself a few questions:

  • Have there been any changes in your life, like a new baby, a new home, or a change in marital status?
  • How much money would your family need without your current income?
  • If you’re single: How much money will your parents or loved ones need to pay off debts like a mortgage, car payment, or medical expenses?
  • If you’re married: How much money would your spouse or partner need to fund their retirement?
  • Are there family members like parents or children who need your ongoing support, including education costs?

To see how your answers add up, try the Prudential needs calculator.

For more information, contact Prudential at 877-740-2116 or visit You’ll also find plan details in the Associate Benefits Book.


Life insurance rates

Your cost per paycheck depends on your age and tobacco status. You’ll find complete details in the current Benefits Rates.

When can I enroll?

You can enroll for optional life insurance at any time after your initial enrollment period for benefits begins. This is when you first become eligible, and depends on your job classification. When it’s time, check your enrollment options and enroll.

If you enroll or upgrade your coverage after you first become eligible, you'll have to provide proof of good health.

Naming a beneficiary

To make sure your life insurance benefit is paid according to your wishes, you must name one or more beneficiaries. A beneficiary is a person you choose to receive your money when you die. You can name anyone you want. If no beneficiary is named, payment will be made to your surviving family members. You can choose beneficiaries online.

Proof of good health

You’ll need to complete a questionnaire or have an exam to show proof of good health if:

  • You select more than $25,000 of optional coverage for yourself during your initial enrollment period.
  • You select more than $5,000 coverage for your spouse/partner during your initial enrollment period.
  • You enroll in any amount of coverage or increase your coverage after your initial enrollment period.

Proof of good health is not required for child life insurance.

Download the proof of good health application form: English | Spanish

Early payment for terminal illness

If you’re terminally ill, you can receive up to 50% of the amount your beneficiary(ies) will receive after your death, while you’re still living. Payment will be made in one lump sum. When you die, your beneficiary(ies) will receive the remaining 50%. This benefit is called the "accelerated benefit" and can help many families during difficult financial times.

Changing your address
  • For most associates, you can update your address information in the enrollment tool.
  • If your facility uses Workday, update your address through that system instead.
Leaving the company?

Walmart and Prudential provide two options to continue your life insurance when you leave the company. The portability option allows you to continue all or part of your current coverage through a group term policy with Prudential. The conversion option allows you to convert all or part of your coverage to a Prudential individual policy. Either way, you may be able to continue your coverage.

Filing a claim

Your beneficiaries must contact Prudential at 877-740-2116 within 12 months of your death, and provide the following information:

  • Your name
  • Your Social Security number
  • Your date of death
  • Your cause of death

In addition, they must mail an original or certified copy of the death certificate to:
The Prudential Insurance Company of America
Group Life Claim Division
P.O. Box 8517
Philadelphia, PA 19176

Learn more about Life Insurance.
Wondering what life insurance is all about? Or deciding what coverage is right for you? Find out from the experts at Prudential.
Go to Prudential

More resources

Need help?

For insurance questions, call Prudential at 877-740-2116.
For benefits questions, call People Services at 800-421-1362.
See the 2022 Associate Benefits Book for more information about your benefits and eligibility. This document will control in the event of any conflict.