Prudential Life Insurance Reviews

Record keeping is awful! When you call the customer support number you wait forever and then the calls are routed to South Africa or other countries and they might not be able to speak very good English, hard to understand and poor connections. This is a US-based company and calls should be answered here in the states, not in foreign country. This practice is very wrong and should be against the law. Please consider all other options before Prudential.

Prudential is nothing but crooks and thieves. Never buy ANY insurance from Prudential. I got a small whole life policy many years ago to pay my funeral costs when I die. AFTER that purchase I got married. 13 years later I got divorced. IT TOOK 17 YEARS OF ARGUING WITH PRUDENTIAL TO TAKE MY EX-HUSBAND OFF THAT POLICY AS BENEFICIARY. That's right, 17 years. I wanted my brother as beneficiary and Prudential refused repeatedly in spite of the fact that I got this policy BY MYSELF before I was married and originally my dad was beneficiary until he died. And still, as of right now, Prudential REFUSES TO PAY ME THE DIVIDENDS. Instead they force me to buy more and more insurance every year with those dividends even though I have more than enough coverage in that policy to buy the fanciest funeral that I do NOT want. Prudential insurance agents are SCUM.

I was denied online access for no reason and customer service was not able to assist me with this matter. Was transferred to technical support, was on hold for 3 hours, could not get hold of a live representative.

Would highly recommend you think twice before going with Prudential. Found out there was a life insurance policy on a family member that passed away YEARS ago (15+). Said it would be no problem collecting. Submitted information they requested including bank account info for beneficiaries to be paid via direct payment only to find out they don't need that info and would need to issue a check. This has gone on for 3 months. Keep getting the run around, talk to people in other countries on customer service that do not know what to do, and nobody calls back.

Communicating with the right person about the policy is nearly impossible. You can't cancel your policy and the automatic payments of your own policy and your own debit account by yourself. In order to cancel a policy you may talk to several rude people that will transfer you several times and will tell you they are completing your request; in my case, when I called back to confirm cancellation I had to go through the same transferring game and the same misinformation I had to go through the first time around only to discover that they DID not process any of my requests. This appears to be an intentional way to continue the policy active so they continue collecting their payment.

Had whole life of $200k. A representative switched me to some other kind that was less expensive but now I find not half as good. I should told him to move on or sought other advice but it was pressured that made me change.

I was advised it would take 5-7 business days when I first inquired about an open claim. Second call was made 3 wks later. I accepted the 45 mins of wait time but felt it was unprofessional to pick up my call and continue the process with 27 minutes of dead air while the agent was live, pulling up the policy details. Once she acknowledged me, she gave a total contradiction to the last update, leaving me to believe items are "past due". Said she had to speak with her manager which of course caused concern that something was left neglect but when she called back all she could say was "everything is in order, exactly how it should be" and then hung up on me without providing further clarification on any possible pending items. Still unsure how long this process is actually going to take.

I contacted Prudential to file a life claim after my mother’s death in October 2020. I am the contingent beneficiary of her life insurance policy, as my father, the primary beneficiary, passed away long ago in 2003, and I presumed I would need to offer a death certificate, or at least a copy of, of either or both my deceased mother and/or father. Prudential claims to record their phone calls, they WILL have a record of this, as will those customers that ALSO record phone calls of this importance. At NO TIME did this Prudential rep ask for a death certificate. And I have them, both mother and father, and I told them this. Instead, I was asked to hold while the rep did some mumbo jumbo. Apparently, all they did, and this is also recorded conversation, is look up an obituary, which, it’s important to note, linked to the FUNERAL HOME, which Prudential claims on their website is important to submit when filing a claim.

Prudential is a stable company with many years of experience. Their leadership in offering products that satisfy your needs at an affordable price makes your decision process easier. Their advance planning for the future is solid and flexible based on your risk profile. The large portfolio is presented in a very user-friendly manner.

My mother passed away in September leaving a small life insurance policy between three siblings. Prudential told all of us that they sent letters out to us about my deceased mother's policy. Funny thing is that not one of us received this letter. My first sister had no problems getting her money. My other sister was livid with them for lying about the letter. She received her check two weeks later. I haven’t received my check yet. It’s been over a month since I emailed them my claim. I have called several times and they keep putting me off. Half the time I can’t hear them nor can I understand what they're saying. This is unacceptable! I feel like the company is stalling on their payouts. Also I am tired of them telling me they're sorry for my loss! Just pay the claim!

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The policy is very flexible. It covers all health conditions and now they also added cover for Covid-19. The premium is cheaper and installments are durable. Claiming process is also fast and supports online.

I wish there were negative stars!!! I’ve had HORRIBLE customer service. My representative is impossible to get ahold of and won’t return my messages. It took 3 extra months to get my policy active because of this. I’ve been sent in circles for another 3 months trying to get answers for a random charge from Prudential. I finally get ahold of someone and they are impatient and unfriendly. As soon as this issue is resolved I will IMMEDIATELY stop business with them. DO NOT use prudential life insurance!!!

Rates for large face value term life insurance policy are very competitive. But when I recently wanted to reduce the face value it took 4 phone calls, over an hour total wait time on the phone, discrepancies in the responses as to what I needed to do to make it happen and dealing with a rude representative who almost hung up on me when I said their instructions differed from the first rep I with whom I spoke. So if you want great or even good customer service, this isn’t the company. If the most important thing to you is rates, they’re great.

I only called them once to help me change my percentage of who gets what in my family if God forbid anything happens to me. The Rep guided me to the entire process. Was very patient with me, and also gave me helpful hints. It was very easy to change my allocation so my son gets a good share and my mother as well. I can rest easily now.

This prudential insurance is really good and the customer service itself is appreciative. Does help in most of the situations. Highly recommended to friends this insurance. Worth trying it. They meet challenges and have best retirement funds. Rates are reasonably good. It helps to plan for the financial future.

Prudential is way too expensive. I have a 100,000 dollar policy with them that I am paying the same that I pay for a 500,000 dollar policy that I have with a different company. Also, the customer service is beyond bad. I called once to get some questions answered. It took two weeks for an agent to call me back.

The price was right for the amount of insurance I needed. After reviewing several policies, Prudential had a policy for $250,000 that I could afford. Being a well-established insurance company with good ratings, I felt comfortable getting my policy from them.

I have a life insurance policy for my adult child, the premium is super inexpensive. It is beneficial the purchase the policy while the insured is very young. This company has been around forever. I would purchase another policy again.

I have had Prudential Insurance in my family all my life and have never been left without a knowledgeable and helpful servicing agent. They have competitive prices and great service which keeps them a leader in the industry.

I was cashing out a life insurance policy from 1953. Over 20 calls to customer service trying to trace request. All customer service reps in foreign country and communication skills are weak. No one available to speak with after 2pm west coast time. Request for cash out originally dated July 7,2020. Check might be processed today - August 19,2020. Avoid this company at all costs - find a company with west coast hours, appropriately trained reps, and easy to understand representatives and supervisors who will deal with questions. Never will I deal with Prudential again.

I have had this life insurance for almost 40 years. In early April I tried to change my beneficiaries. It took over 2 months to do this with multiple phone calls and letters. Super frustrating! The only good thing to come out of this was I got my very own customer service rep after writing a letter of complaint to the company. Even she got frustrated with her own company! If I didn't have so many years invested in this life insurance I would've just quit. Honestly, I would rather die than have to contact Prudential again.

My mother passed away in March 2020. Three siblings (beneficiaries) in three different states during pandemic. MULTIPLE communications via phone and mail with Prudential. Nobody seems to be keeping track of claim at all. I’ve spent HOURS on the phone and multiple faxes, emails and USPS mail and each time they come up with something new that they need to process claim. Funeral Home waiting to be paid. Keep in mind this is only a 10k “funeral benefit” policy... not like they are paying out 500,000. Totally ridiculous. I will ???? steer everyone I know away from Prudential. Completely and utterly frustrated and disappointed in this company.

I recently (04/12/2020) sent a request to cash out my policy which I have had since 1986. I submitted the required forms, and returned the policy as requested. They acknowledged my request and asked me to send in different forms which requested essentially the same information. They do not answer phone calls and have no way to message them. I would appreciate the courtesy of a response with a status of my request.

Worst customer service!! I called up to set up the account and however, I had to go through with multiple customer representatives and at the end they were not also able to set up the account and the wait time was more than one hour... what a waste of time!

We've had 4 policies with Costco for over 34 years. During that time, we have never missed a payment. A few years ago, our Prudential agent advised us that we could withdraw an amount that was in excess of the contract amount without causing an increase in our premiums. We were clear that we didn't want the withdrawal to cause our premiums to rise. Two years later, Prudential TRIPLED our premiums. We protested and they just gave us a run-around. Our state's Insurance Commissioner said there was nothing they could do.

I talked to one of the insurance person with the name ABID, he resides in Houston. I have not talked to a more rude person in my entire life ever before. He was giving me a rate that was a bit higher for me and I was also taking rates from other agents. First he continued forcing me to give him the names of other agents and other companies, I said, "I don't want to give those details, why don't you give me rates according to your company policy." The rates that he gave me, were a bit higher for me. As soon as he realized that I am not going to buy his policy from him, he started yelling at me and was extremely rude. I wish some one teaches him how to talk to a lady. He is absolutely mannerless, impolite and unprofessional.

My mom passed away July, 2019 with 2 Prudential life insurance policies. It is seven months later and they still haven’t issued a check. My mom was never late on a payment and the policies were fully paid. As the executor of my mom’s will, I filled out Prudential’s numerous claim forms. They sent the same forms three times and each time I completed them. Now they are telling me that I need to get my mom’s house appraised and everything she owned appraised for a small estate court order that they need in order to process the death claim. What? My mom’s house and belongings are none of their business. Her estate is not in probate. She had life insurance policies with other companies that paid without any issues. Prudential clearly does not want to pay on their life insurance policies.

Something is terribly wrong with this company; we've had two minor life insurance policies for 45-years and always had positive experiences until today. Although Prudential has provided me with a form 1099-r each year, this year they are refusing to do so and cannot provide the figures for my taxes. Additionally, my husband's tax forms contain my social security number, not his. In order to correct this problem, they're mailing a form; policy does not permit a representative to email or overnight this form. Doesn't anyone there realize this is an emergency because this documentation is required by the IRS.

Back around December I got a letter in the mail stating that I had an un-cashed check from Prudential which was issued in April, and to contact them if it needed re-issued. I called the contact number, and found out they had my old address. I updated it, and they said the check would take about 7-10 days to process, and around 3 for delivery. I waited, about two weeks or so, and no check. I called them again the next month. For some reason, they said the check was past the processing date, but had not been sent out, so they would have to RE-process it (another 7-10 days) and it would be delivered about 3 days after that.

Steven ** in Staten Island, NY. I asked him my only real question because he already spoke with my wife to gather all our information. Is this really going to be my Premium? He told me it was already underwritten and approved but it was not and the premium went up of course. That was only an auto policy. Now that I have called him out on his lie, he has threatened me to cancel my policy to leave me and my family without insurance. What kind of person is this? I hope you all get as far away from this type of **.

My mother passed away on 11/6/19. As of today 1/24/20 the claim has not been paid. They keep making excuses why it has not been paid. My mother had a MET Life policy also and no problem at all it paying off. The paper work is always wrong or they did not receive it. They are the worst insurance company out there. Do NOT take out a policy with them. Vince

My wife of 20 years died 3 years ago and I filed a claim. It took about a month before the claim was approved and was "supposedly" sent to another random address twice. I was told that the check was stopped and would have to be reissued four times thus far. Every time I call I am asked the same questions and given the same spiel about the check sent to another address as if there are no notes on the subject. I have since consulted with an attorney and am still embroiled in the process 6 months later.

I have had 2 million dollar life insurance policy with them since 2012. Spent over 43,000 over the last 7 years. Called in to decrease coverage to decrease expensive premium of $513.45 a month, agent tells me he can not give quotes over the phone, has to be mailed. Allow 5-7 days for letter and once apply to decrease coverage, it will take another 14-21 days to process. He suggested I go quarterly to "get some payment relief and allow everything to process"...this was September 25th. He told me my next payment due would be December 7th. I get a letter with the quotes. Next letter I get is that my policy has LAPSED due to "non payment of my quarterly premium on Sept 7th"...made no sense since my phone call was on 9/25/19. I called and spoke to Jessa, who said she would investigate the issue. Did NOT follow up with me as she said.

I made an appointment but they never called. I received several confirmation and reminder emails but no telephone call. I then inquired as to why not and was told they tried although they didn't use the number I provided.

Each of many times that i called on behalf of my mom (i have POA) an agent says they are sorry about our loss but it appears the only thing they are sorry about is paying out a claim. Instead of reviewing the notes from my previous claim they re-ask every question like they know nothing about the claim.

This has been a all around bad experience. I am trying to cash in my baby life insurance that my mother took out on my in 1956. The current surrender value was around $4000 and when I called about 8 months ago Prudential said they would mail it out. I happened to mention that I might be getting separated and that hung everything up. If I wouldn't have said that they would have mailed out the check, I think.

When we called for online help, they really upset my wife. She has vision and some memory issues so when they ask her for past home addresses she couldn’t remember all the details, I (her husband) tried to assist her but the rep rudely stopped me. And it got worst from there. She was almost in tears but the rep was still rude to us. Prudential should be ASHAMED on how that handle their senior customer.

When I was working I purchased a policy through a group plan at low premium cost. When I reached retirement age and on A fixed income the premiums began rapid increases and now the premiums are over 7,000 dollars a year so before you purchase a policy be sure to get a guaranteed list of rate increases for each birthday. You will be shocked. It is a total rip-off.

My Father passed away and has a Prudential Life Insurance policy that he has had for many years and the policy was fully paid off years ago. My Mother has contacted Prudential Insurance multiple times requesting the documents required so she can fill them out and collect the benefits. She was promised that those documents were mailed but they never arrived. We have no choice but to file a complaint with the State Insurance Commissioner and to hire an attorney. Prudential Insurance is the worst!

It has one of the worst customer care service. I had a life insurance policy for 2 years. Due to change in the bank, my auto pay didn't go. I didn't receive any communication about payment not done and got the mail that my policy has lapsed. I called and Prudential informed me I have to redo my physical and labs. I sent them a check. Physical and labs are done, everything clear but policy is not still activated. I called them to return my money but haven't received it yet.

I unexpectedly took my retirement from the Commonwealth of Pa. I had a group life insurance policy prior to my retirement on 7/21/2010. I have paid faithfully and on time for the past 9+ years monthly. I get a notice as of 9/1/2019 my Life Insurance has been terminated. So now I am fighting for my life insurance since I am still receiving a Commonwealth Retirement Package. So what did Prudential do with all of my payments?

I wrote my own policy for this insurance company and from start to finish the process was archaic and contrived. To start, I elected an electronic funds transfer (EFT) initial premium and the premium was deducted before my medical exam had even been schedule with no prior warning (even though they had both my phone number and email address on file).

This is the worse company ever. They don't pay out! They don't communicate. And when they do they're rude as hell! All I can say is swiiiitch! My daughter passed away on May 19th 2019. I have yet to receive anything from them besides the ** letters saying they need to complete the investigation. And I don't need to contact them any longer. #Prudentialsucks

When I was born many years ago, my father purchased a small life insurance policy on me that has been fully paid up for over 30 years. I'm getting all of our paperwork in order for our children to minimize their trouble when we pass away. I saw that this policy had our old address, so I decided to just set up an online account in order to be able to update the policy online and allow easy access for the children when the time comes. Well, apparently my policy is so old that it can't ever be set up online (don't understand that).

The people working at Prudential Life Insurance are the kindest most patient people I've encountered in a long time. I had issues outside my control that caused me to contact them for help many many times but each and every time they they obliged.

My father passed away earlier this year. He assigned his children as his beneficiaries but there is a competing party. Prudential had given that party more than 3 months to gather their facts but yet haven't provided anything to the company. When I asked Prudential what policy and laws was the company adhering to, they couldn't answer. Each representative provides conflicting information and nothing is ever consistent. The supervisors are unprofessional and unethical when dealing with a grieving party.

My father is in nursing home and I have Power of Attorney for him. He has 4 life insurance policies. 1 whole life with Prudential and 1 term with Prudential and then 2 with other companies. Prudential is the ONLY 1 of the 3 that can’t communicate with me via email. They INSIST that their policy is mail or fax. BOTH other companies accepted attachments via secure email and responded as such. So, I email documents to them and 3 weeks later they claim they never received them.... seriously. I encourage everyone to avoid this company like the plague unless you don’t mind using dated methods of communicating.

My daughter's fiance passed away very unexpectedly. The company has stalled paying out his life insurance for 6 months always asking for documents already supplied or something new. She was told she needed to get guardianship from the court for their minor daughter in order to file for her share of the benefits. Now that $10,000 of legal fees have been incurred they say the child is a beneficiary. Why did they tell us to go to court and get guardianship and seen us claim forms to complete?? Impossible to get returned phone calls. Cannot speak to adjuster... Have claimed to not have information that was supplied to them 2 weeks after his death. Totally unethical! Who is monitoring this company???

Both my husband and I have contacted the supposed customer service line numerous times and still have no answers regarding their latest premium increase. We were told that the information we requested would be mailed. When the mailing showed up, the information was NOT what we had asked for. Another phone call and another response that it would be mailed. Wrong again. The letter received today simply indicated their change of address...not the cost for changes that we had requested. To say we are annoyed would be a gross understatement. WHY can they not answer the question and quit screwing around? There is a due date for our payment that they are continuing to ignore.

After investing $73,000 in a variable universal life policy, Prudential notified me that the vehicle was "non-performing". All premium payments are gone and the policy has no value. I felt a little less stupid when I read this in the New York Times 9/19/2018: --"Universal life is among the reasons Americans are approaching retirement in the worst shape in decades. "John Resnick, co-author of an American Bar Association book on life insurance, said people “are sitting on a ticking time bomb, and most probably aren’t aware of it”.

Called the customer service line to pay a premium and get address change. Rep was extremely rude and unhelpful. Took my money with no problem but did not want to help beyond that. Prudential needs to hire the right fits for a customer service line.

The company will treat you fine until you have a problem. And when this happens good luck getting a honest answer. Save yourself a lot of time and money, deal with a honest company, Met Life, New York Life. Buyer beware!

In the end of 2016 my wife and I rolled over 2 fixed annuities from MetLife to Screwdential Prudential. The agent Craig was told multiple time we wanted fixed at 5% no variable. He assured us it would be fixed. Well with family problems all we did was look at the balance then we started to see transaction fees. We called him on the phone. He assured us it was fixed. It was a one time charge. Well principal started going down. I checked into it and found out it was variable & we were in things that were never reviewed or mentioned to us by him. I keep getting transaction fees even though what he put us in has not changed and I called & I can't change them to try to recoup losses.

Ten years ago I resigned from my job that paid for my prudential term life insurance policy. I continued with the policy after their nurse gave me physical exam at my home for $ 200k policy. I downgraded to $100k few years ago to pay $827.00 annual premium to age 85. I was never sent a copy of the insurance policy after I was told I would. Last year 2018 I requested downgrade to $50k policy but $100k was the lowest offered and was told by service rep. my 2019 annual policy would be about $5k annual and my end age dropped to age 82. with no prior notice.

My name is Michael **. My mother and father both passed away in February. Dad died February 13th and mom died February 15th. My father had 4 life insurance policies with Prudential. My mom was the primary beneficiary and my brother and I are contingency beneficiaries. When I called Prudential they said that because mom never filed a claim that my brother and I could file a claim. When we did now Prudential says they can't pay us. They want to pay to our mother's estate. They want us to go to courthouse and file small estate papers. The problem is everything was set up to be TOD and POD. So, all houses, vehicles, personal property and bank accounts have been transferred to my brother and I.

I have been permanently and totally disabled for over 10 years. I had here life policies with Prudential and cashed two in when I initially became disabled. After paying the premium for 2 years after my disability I realized that I had a waiver of premium rider and applied for the waiver. In April 2018 I was sent a letter from Prudential in which they wanted to review the waiver. In September 2018 I was told by a Prudential customer service rep that the waiver was approved and a letter of confirmation would be mailed. The letter never came and when I inquired I was told the waiver was still under review! When I told the CSR numerous times that I was informed the waiver was approved on the phone and all Prudential's call are recorded she would not even reply.

I have been working with your company since February 5th. Your representatives have done nothing but lie to me. I am the power of attorney for my Mom's insurance policy and also the beneficiary. All I wanted to do was add my Son should I die. They are evasive and not nice. Didn't have a good experience with any of them. I expect an answer or will go to my Attorney General. You have some very serious problems with your company and are not forthcoming. I don't have time for these lies and noncompetency. Policy 46860776. I sent everything the rep told to send. Plus a copy of my Power of Attorney. I suggest you all get you act together. This is an awful treatment. Not good business. I am not trying to do anything but add my Son as a beneficiary...they said they would send paperwork. A month later and many calls here I sit with dealing with rude and lying representatives.

PRUDENTIAL STOLE 33 YEARS. I'm a disabled, diabetic, heart patient who survives on Social Security and food stamps. Just after my first daughter was born I bought a modest life insurance policy from Prudential. From 1986 until now I never missed a monthly payment. Twice along the way I needed to take out small loans against the policy, about $3k total. Both times I was informed the loans need not ever be repaid. The loans plus interest would be deducted from settlement when I passed away. In fact they encouraged me not to pay them back. They advised me to enjoy the benefit for being a long time loyal client, but really they just wanted the interest to grow.

I spoke to 9 people during the massive runaround they gave me but NONE of them could simply update the mailing address for future correspondence regarding my deceased mother's contract (1099's, etc). One guy asked if she could come to the phone! I will never be a Prudential customer.

After 6 months of working with Prudential, they still are asking for more information - the same information I have multiple times over 6 months sent to them in writing by mail or filed on their website. They continually ask for the same documents that I have already submitted and I sent to where they have told me to send it - still not getting it. Luckily if you go high enough up the ladder of supervisors, you will get an American. I have communicated with American employees over the phone and email (sending the same documents already sent).

I have read through all the comments on this site and I must say that so far, my experience with Prudential is TOTALLY DIFFERENT. I filled my claim in November 2008 because I could no longer work due to MS and Epilepsy. My employer along with my Case Manager Kelly has worked diligently in getting me documentation and my doctors the same. We had one form mix up and that was my fault. Kelly said fax it to her attention and before I got hot it was uploaded. I understand there is good and bad in every business and yes we ALL are in a rough a depressing spot. I felt so depressed not being able to work. Kelly spent time talking to me.

They denied me life ins, in 2016 after paying monthly payments while out on long term disability for a Bone Marrow transplant at UPENN in Philadelphia for AML, they claim that I was no longer a UPS employee, but I was and I still work for UPS 9 years. I was sent a new application in Jan 2017 when I return to UPS. And that is when they denied me due to having AML. Yes I am doing well due to the transplant, thank God. I do not have any life insurance anymore. I even call the PA insurance commission, no help at all. Never got back to me. Thank you. My name is Robert **.

I acquired a Group Life policy for myself and my husband when it was offered to me by my employer in 2000. Once I left this job in 2002, I was allowed to keep the active policy by making the required quarterly payments. Long story short, after 17 years of paying my premiums faithfully and never becoming late, they cancelled my policy on myself and my husband. They claimed they received my last payment for the year was received 3 days late. It was at Christmastime. Although they did receive my payment, they sent me a refund with the cancellation notice. After speaking with several representatives and managers and going through an appeal process I was still denied my coverage back. I was told I would have to apply for a new policy.

My fiancé was killed in a accident in April 2018 and he was on my work benefits that I put him on in January during open enrollment. I still have had no luck getting the policies paid out to me. Prudential is finding any excuse they can to not pay out my policies. This is the worst company I have ever dealt with. Not only do I have to try to cope day to day without my fiancé but now I’m being sued for funeral and other bills which would not be happening if Prudential would pay the policy out that I paid to have.

I feel I have no recourse other than to publicly appeal to the higher authorities at Prudential. I have been unsuccessfully trying to get my money for the last 3 months now. Talking to the people at customer services is just like talking to a broken record. Unless there is a company policy to make it impossible for anyone to get their money back, it is unbelievable how any company would deliberately treat their client like this.

Called about a policy my parents got for me at birth. Long story short after 57 yrs. It's worth $1580. Cash out option $590. In 2034 it expire! What a disgrace!!! I am so upset. This was to pay for my funeral and help my family. SO I THOUGHT... What a ripoff!!

I was on the phone with Prudential for about 45 minutes between at least 5 customer service representatives from different departments. They each told me that they were not the department I was looking for and transferred me to a new department. I finally spoke to a manager and she again told me the same thing, only to be sent to another department and was made to leave a message and wasn't even able to speak to a representative of the department. This type of customer service is absolutely unacceptable. Customer Service is awful.

My mother passed away in April of 2018 and I have been trying for 6 months to cash out a life insurance policy that my mother had with Prudential. Well they have made every excuse to me as why they CAN'T pay the policy. Every excuse they can come up with. They say papers not properly signed, papers not sent to them. Which are both lies because I know for a fact that all the papers were there and properly signed. Avoid this company at all cost. The policy isn't big enough to hire an attorney and I'm sure they know that. Just another company that gets rich off the little man. DO NOT USE PRUDENTIAL.

My father was a retired Prudential sales representative who had an annuity policy with a lot of stocks. Also, a basic life policy as well as Prudential group insurance for working there. He passed away in late August, and basically, the only policy my mother received anything on as primary beneficiary was the basic simple life insurance. She is having no satisfaction with customer service in regards to getting anything deposited into her Alliance Bank account. When she calls, they keep telling her her social security number and pin number are not on record, haven't received any faxes, etc., and basically a pathetic run-around. Even my uncle, a retired Prudential agent as well, is trying to assist her in faxes and phone calls, and he can't believe how unbelievably lacking the customer service dept. is either.

I have been waiting months for them to pay a claim on deceased spouse, they keep saying it's on the way, then a week passes and they didn't send it, then they say it's under review, and this has been going on and on and on -- no end in sight! It's not right, DO NOT USE THIS COMPANY!! This stress is the last thing you need when your spouse dies.

I'm trying to get information on my Father's life insurance policy. I sent Prudential our Power of Attorney Agreement 5 times (4 by fax to two different numbers, and once by certified mail). After acknowledging receipt, they still won't provide information, saying my Father's account is not in their system. Meanwhile, I'm sitting here holding all of the documents and letters from Prudential, literally reading them over the phone to their service reps. This is just bad customer service. They are not trained to help. They're only trained to take information and pass you along to another person. Meanwhile, my Father can't apply for Medicaid because Prudential is not supplying the information he needs to complete the paperwork.

My father passed away early this year. After spending time to mourn, my family proceeded to fill out all the required forms given to us by Prudential. The completed forms were mailed to the company and weeks go by with no response. Upon a call to Prudential, I learned the forms were placed on a desk of a worker and when they would get to it they would. Not satisfied, I was told I could fax the documents, which I did. Months would go by and every time I would call, I was told they need the same documents, again.

Trying to cash in 1 of my policies & have had nothing but games, runarounds, & trouble. Was told I could sign a form and mail it in, which I did. Heard nothing. I'm waiting to get a caregiver, as I'm close to 80 & have health problems. Called 6 times, told different things each time, was degraded by their "customer service" people. Makes an old lady feel bad. Was told via local office they'd overnight my check, after spending 3.5 hours proving I was who I said I was, since my signature has declined due to Parkinson's.

My life insurance agent couldn’t add my beneficiaries on 3 attempts. Kept getting notices from Pru that it was incorrect. I just did it myself. The agent was too busy pushing a variable annuity down my throat and when I asked if he had one he never responded. Customer service is horrible and the variable life policy that I purchased 15 years ago was sold as an investment, which performed poorly. Life insurance agents need to stick to life insurance and not push high commission products. Ken ** should never recommend a variable annuity to someone who is dying and needs access to their money without any penalties or pay 3% a year in fees. Only reason why they push this product is because the insane commission of 6%. That’s 6k for selling a 100k annuity vs $180.00 commission doing the right thing for the customer. Dept of Insurance should investigate churning and illegal marketing.

OSGLI Veteran's Life Insurance - I called to verify that my coverage had DOUBLED at my 50th birthday. I have paid for 18 years on time, since I left the military. The response that I received was "Yes, that is correct. You can cancel at any time, if you wish."

This company has given me the runaround for months. For some reason or another, they will come up with reasons to try to cancel my policy or need large amounts of money to continue. Every time I call in, they have a different answer than the one before. They place you on hold for very large lengths of time. Have never dealt with a company this horrible.

I am a Beneficiary and I have been attempting to receive funds from an account for over 6 months. Prudential has gone out of its way to disallow me this right. Their customer service is not emphatic to my situation and they make up reasons to not pay me such as saying my paperwork has expired. It's expired because you didn't process it in time! Hello! So I have to do it again. I've called and asked to speak to a supervisor, don't worry about that they have bad training. Today I spoke to a customer service agent named BeBe who was rude and unsympathetic. She just repeated the same sentence to me over and over again like a robot instead of trying to explain why or what was happening. I am in customer service management myself and I have been horrified by this company. After jumping through their hoops and hopefully actually receiving funds from my late father's account I will never do business with Prudential again.

My account opened 30+ years ago is barely worth what I put into it. When calling to get help I was on the phone for over 30 minutes. Transferred a couple of times and not too much help. The corporate office sent me to one city knowing I was not there. The city office referred me back to the corporate office for a local referral. Trying to get help online is like pulling teeth with no tools and broken fingers. Pack a lunch if you are going to try to get help on the phone. If you watch their commercial about planning for a secure retirement and watch your money grow it's FALSE. They do not manage your money for you. They do it for them. DO NOT get an account of any kind with Prudential.

The company I work for gets very good rates on all of our benefits. I don't normally elect the "extra" benefits other than medical, dental and vision due to the costs. I started a new position in November 2017 and elected the "AD&D" coverage on my family. My husband was in a dirt bike accident in May 2018, I verified my coverage through my Benefits Department at work, notified them of the accident which was the beginning of this nightmare. It took the Benefits Department 11 days to send the requested information to Prudential. I felt like a tennis ball between the two of them trying to verify if the information was sent over and received.

I am holding a letter from Prudential dated Jan 18, 2018 explaining her paid up policy, and interest accrued over the years. In addition is the policy number. Mind you this letter is from them. Well Mom passed away and I filed a claim. I sent an original Death Certificate to which they said they didn't receive it until I said, "Ok. Well then please send me 25.00 for another." Miraculously they found it. Now I received another letter stating they need copies of her canceled checks from 1969. Really? Does anyone keep canceled checks for 40 years? I sent a 15 pages of paperwork including the last will and testament. So here it is 2 months later and no contact. No more letters. Nothing. Seriously I wouldn't buy insurance from them if they were the last insurance company left standing. The last contact from me on June 26 was that they were investigating. I won't hold my breath on that one. I am 65 so I guess my children will have to fight this one too. OMG pathetic.

I work for a health care organization that offers benefits for family members. During open enrollment this past year they finally opened up life insurance policy greater than 10,000 for spouses. Note I have always had life insurance on both of us because we have 8 children. This was the first time I could increase his policy, which took effect 1/1/18. He passed away on 2/18/18 of cardiac related event. Claim filed 3/2/18 and is being contested due to policy that allows insurance companies to do so. The insurance company has received all needed documents from me and my employer and now they are extending the contesting period. So now 129 days since his passing still no communication from insurance company. Note - I did not have a choice to select life insurance company so had to use Prudential. If you do have a choice run hard and run fast from this one.

I work for a company with 5,000 employees and they offer a 403b (same thing as 401k) as the only company sponsored retirement plan. For years I contributed thousands of dollars into it, and so has my employer. I went to log in to my account to check the balance. It said the account was "deactivated". I have no idea why, all I ever do is check the balance. It has said this for 2 weeks. I've called twice. I said, "Are other people having this issue too?" "We don't know." "Are you able to fix it for me?" "We'll look into it." I can understand a technical glitch, but why is it taking so long to fix. I'm getting concerned with the vague responses. TELL YOUR HR DEPARTMENT AND EMPLOYER NOT TO USE PRUDENTIAL FOR RETIREMENT PLANS.

Made the request 4/16/18. Approved. Week goes by, no check. I call, they need to verify my signature. I fax it. Week goes by, no check. I call, they didn't receive fax. I fax again, to 2 numbers. Week goes by, no check. I call, fax turned out 'black'. Was told to email a picture of my I.D. I do. I call the next day. Was told my check was in the mail. They SAID it was mailed... 5 days go by, I get a denial letter stating the pic of my I.D. wasn't sufficient. Nearly a month has gone by, and MY money still isn't in MY bank account. This is EXACTLY why I've always believed in ignoring inflation, and burying your money in the backyard. CROOKS!

My parents paid premiums their whole life. Incredibly extensive paperwork was required by PLI after their "normal" deaths. They requested again after they kept the originals. They won't pay out $1100.

A complete lack of responsiveness... Been trying to make an account change since November - that's over 4 months - without success. Associates that have failed to respond to the most basic questions would be Jonnete **, Riona **, Camille ** among others... If it was not for a w/d penalty I'd have bailed out of this company a LONG time ago. If your financial advisor suggests any Prudential services run fast!

Applied for this insurance and got denied right away, even got a letter that I got denied because of my pregnancy. 4 months later changed my status at work from full time to part time, got a letter from this company again saying that as a part time worker I was not eligible for insurance and my coverage would end the day I started part time. It appears that I was being charged for something I was never approved for in the first place... This company is nothing but a scam.

I am permanently and totally disabled and have been for over 9 years. Prudential continues to harass those who qualify for the waiver. The fact is that they expect Medicare to pay for the DR visit to confirm continued disability. They do not provide funds for their routine requirements. Even if Medicare pays there is always a copayment and additional charges for paperwork. I can imagine how much the American taxpayer has paid for this purpose. In my case Prudential was informed twice that I am permanently and totally disabled. Prudential should be held accountable for their part in defrauding Medicare and harassing innocent disabled senior citizens.

This company takes advantage of the little people. I had a small amount of retirement money from my previous job and called to have it rolled over to my new retirement account with my new job. They said they couldn't do it because it was too soon after leaving my previous job. Months later I receive a check for 10% (I kid you not) of my balance because the other 90% was charged by Prudential in withdrawal fees. The money was withdrawn instead of rolled over, without my permission, and charging ridiculous amounts of fees. Now, I call and they can't do anything about it, because the original operator that took my call the first time I called saying I wanted a rollover to another account didn't make a note of it. Unbelievable. Do not make business with them.

I signed up for a VUL policy 9 month ago for mine and my wife with the interest of life insurance protection and the investment. I had a series of meetings with this Sales agent from Prudential clearly stating my objective. I clearly told him I'm not interested in paying him outrageous fees and commissions for investment, I would rather have a simple term life insurance. He assured me repeatedly selling a VUL Insurance policy saying that the fee will be minimal for the investment after deducting the market driven insurance premium cost. I trusted him and signed up for it.

Have dealt with Prudential since my fathers stroke 4yrs ago; consistently have issues with the reimbursement for the long term care, and they consistently LOSE documents, such as POA. These are sensitive documents, how do they lose them or have no record of having received them. Feel like I’m dealing with con artists; it’s hard managing care for a parent, then you have to fight this constant red tape **.

I was told I do not need a financial adviser. When the tax free withdraw over 5 years seemed to be not enough cash, I took funds out in small amounts. Now I owe a huge amount to the IRS. They already took 20% and now they want more, Prudential just sat back and watched me make these horrible mistakes. Now I am screwed. Thank you so much. At 50, what am I supposed to do now? Start over again, I'm not doing that, criminals all of them.

I have numerous policies with Prudential and each and everyone is unique and personal. I would NOT trade my policies to any other carrier. One of my policies I am enrolled in is since I was three (3) three years of age. I have even taken out policies for my grandchildren. To cite an example how great these policies are while I was away at college; I did not pay on my policies, but yet somehow for (4) four the premiums were paid. VERY IMPRESSIVE.

I purchased many years ago for my two children who are now adults. The boy's policy automatically converted to his ownership when he became 21 years old!! I pay the insurance premiums and tried to get this cleared up but I'm still “communicating" with them... they insist on electronic contact as the most effective and efficient but I'm an "old dog" and prefer mail and paper!

My brother passed away on Sept 13, 2017. My younger brother J is executor of his estate. He has started probate and received the Writ of Testimony that allows him the power to have access to my dead brother's assets. One of these is from Prudential Life Insurance. He has made multiple calls and so have I. We have provided all the documentation more than once. We are promised a letter with the amount that we could submit to probate. The letter never came. We called again and were told that they received none of the documentation even with the fax cover letter saying it was received at the number we were given. We had even called to make sure they received the fax and was told they had received it.

For a $43,000 whole life plan converted from employer plan, the premiums are $333.51 per month payable until age 85. I am currently 70 and by the time I reach 85, I would have paid $56,363.19. To break even, I need to die before age 80. Even the conversion to a term plan that ends at age 80, the rate is $370.66. Now tell me that makes sense. A term plan with a rate bump at 5 years costs more than a whole life plan.

I bought four (4) life policies from Prudential in the early 1970s and have been trying repeatedly through my Pru insurance broker and personally to find out the status of my policies as to whether they are increasing or decreasing in value and the death benefits. Have come close and gotten some information but not all that I need. I appreciate confidentiality but at 87 years of age I don't care who knows what about the policies and would so attest.

My husband worked on a job for 19 yrs and had money taken out for life insurance. When my husband died after a 4 year disability they refused to pay the insurance. They found a loop hole. It was nothing about his illness, it was because of a bookkeeping error that his employer and Prudential didn't do. Now me and my family have to suffer because of their negligence.

I had life insurance through Hartford, which was bought out by Prudential. My payment record has been impeccable for years, but I didn't receive a bill for the 2nd quarter of 2017, and I depend on receiving them, nor did I receive notice of pending cancellation. I was simply dropped for missing the grace period. I have to wonder if this is their way of weeding out seniors? I am also in excellent health.

I signed up for a term life insurance policy in 1989 with my children as riders. My agent left Prudential shortly after the policy went into effect. Since then I have not had any representation since them. About a year ago a rep from Prudential called to tell me my son has aged out and if he wants his own policy. I said no. I come to find out he aged out at 25 and when the call was made to me he was 30 years old. I also stated that my younger son did was 28 and did not want his own policy. They did not reduce my premiums until last month.

Prudential is refusing to accept information given to them from lawyers so they can stall paying out on my pension. This was supposed to be a simple 'go/no go' piece of information. They will not act on the information even though I have a copy of the exact same letter in front of me clearly stating what they need to know. I requested a copy from the lawyers. Prudential stated details of protected rights on a policy in a letter dated from 2002 but now suddenly they say that that is not the case. The lawyer has told me this over the phone with a copy of the original letter in his hand. So when did that change? I wasn't told that my policy had been altered. How convenient. Dodgy springs to mind.

A couple days ago, my wife and I tried calling Prudential Life Insurance department to cash in/withdraw this small life insurance policy my parents had for me growing up. My wife and I just got our own policies on each other and my parents no longer wanted to pay on mine and my siblings' policies so they told us to either take the same payments over or cash them in. Anyways, so my wife and I tried doing that a couple days ago and the lady we dealt with told us she was unable to help us because we needed to call this other department to get our banking information changed (why? but who knows). But of course it was past the time that department was there so we needed to call back tomorrow.

I had a pension plan with Prudential as I was laid off and I asked for a rollover my funds (service agent name Martisha) to Prudential Mutual Fund IRA Account. I filled out the form they requested and sent it out and waited for the fund to be deposited directly to IRA in March. However I received a check at my home mailing address In April, I called Prudential (service agent name: Carla), and explained the situation with Pruco Mutual Fund Address. They said they would voided the check and issued a new one to IRA.

My father passed on Nov 1, 2016. He was a dedicated Prudential customer, with two life insurance policies (one was purchased in 1965) and an annuity. Once notified of my father's passing by the funeral home and burial service, Prudential paid the claim without hesitation. His funeral and burial were on Nov 12th. However, the same beneficiaries were to receive his annuity, but there are issues, concerns & delays. WHY? And why are the communications from Prudential so inconsistent? They are providing conflicting info and not one is seeking to resolve them and pay out this claim. It is apparent that my Dad was always taking care of his family, but Prudential is creating unnecessary delays with the payout of these funds. Just pay whoever you have listed as the beneficiaries and let us move on! Ugh!!!!

I have a life insurance purchased many years ago. This policy has a retirement fund I had been paying for years but last March 2017 I moved to Puerto Rico and I had to surrender my policy because I can't afford to pay $280.00 monthly. This people sent me a set of forms for me to sign and return to them which I did. They promised a check for the amount of $5,331.00 which is a fraction of what I pay in all the years I was making the payments. They sent me a letter saying that the check was coming in a separate envelope for security reasons. I waited about a week and didn't get any mail I call them back to ask for my check and they say it was returned from the post office. I ask the post office. They say is not true they did not returned so they promised to send it back and again they lie to me. I call them back. They say they were going to put a stop payment of the check and make me a direct deposit to my checking account.

Just had the worst experience with Prudential! They sold my elderly mother a VUL life policy in 2001. She had no way of understanding it because she is native Japanese and has terrible understanding of the English language. She paid into it around 60,000 dollars, they gave no help in managing her portfolio so it basically was worthless. Because of the way the policy works as you reach the end of your life, they will increase the policy premiums so high that if you're living on SS or limited income it will be very difficult to pay. I had to cancel it and they screwed me out of my last 500.00 dollars that was left in her portfolio after 16 years. I would not recommend this company they will try to use every effort not to pay out.

I have group life through my employer. I have riders which are my daughter and my husband. My husband and I were divorced. I kept the insurance because we have a minor child together. I didn't know that in divorce he was no longer covered. Prudential never notified me that the rider policy was no longer allowed due to divorce and they continued taking my premiums. My ex husband died unexpectedly on 3/12 and now Prudential doesn't want to pay because we were not still legally married.

My father-in-law had a policy thru Prudential from his work. When he passed away, Prudential paid within reasonable time. Although it required a lot of paperwork, they did pay after a few weeks. The best way to identify a good or bad insurance company is filing a claim with them. Will the insurer try to run or stay with you and pay for the claim? Well, Prudential paid so I really appreciate their help at the time of my family's need.

As POA for my Father-In-Law and Guardian for my Mother-In-Law and Disabled Brother-In-Law, I have been requested by the State of Wisconsin to provide information regarding our three loved ones insurance policies. This is to verify that what has been done was done in the best interest of the family members involved. Every time I need to call for information from Prudential, I am treated with disrespect. I am told we need to fill out specific forms, which they provided to me, only to be told we sent the wrong forms and now need to wait again for the correct forms. After about 10 forms later for each individual the task was completed. Many of the times they wouldn't tell you you sent the wrong form until I called to see that it got done. At that time you find out you did it wrong again. Such a run-a-round!

It was very easy to get info on my life insurance policy. They also allow me to pay my yearly premiums with the dividends that accrue - very helpful when on a limited income. Then when my mother died, they processed the life insurance check within 7 days which was very much appreciated.

My mother had a policy with this company for years. She recently passed away and I filed a claim to receive her life insurance. They were very prompt. I was the slow one returning the paperwork but when they received it, they sent a check within two weeks. Great service.

This is advice for all insurance companies. I use to be a VP at Prudential and we were trained to keep your money and steal your money. I recommend you only save money in a local credit union, at home or offshore account. Do not buy any insurance or medical policies. We will find a way not to pay you! If you want to be healthy, then become vegan... Do not waste money on health insurance. These companies only make money when we don't payout. I'm sad because I hurt so many people in the past. One woman had paid 48 years into her policy and we claimed to have lost the policy. I'm ashamed that I worked at Prudential.

I have 2 life insurance policies with Prudential that I have had since the 70's. I received a cold call from my Prudential agent telling me that if I cashed in my policies I could buy paid up insurance that would provide a death benefit that would be greater than the value of the 2 policies that I have now. When I contacted him 2 weeks later and said I wanted to go ahead with the new policy he said the policy had gone up and I would have to pay $1600 extra. That sounded like bait and switch to me but it was still a good deal so I decided to continue with the process.

I don’t understand why death benefits I was entitled to were not dispersed to me upon my husband’s death. I submitted a death certificate and page 4, the required form on 11/16/2016 to Prudential VGLI. I did not receive any correspondence from Prudential Insurance after this date. When I called the Prudential phone number, I was informed they had not received the required paperwork. I did not understand why or why Prudential did not call me. They were aware my money was in their acct. By now I should have accrued interest. After two months of waiting my funds are only accessible by check from Prudential Alliance Funds Account. I can only access the funds by checks that they mail to me. I cannot manage the account by internet. What is going on? My husband served his country well. Why am I having this issue?

I'm am writing this review for my brother. His wife passed away a month ago. He has been fighting with this company every since. The first time he called they denied his claim saying they have no record of a policy. He then sent over all the required information with policy number and payment papers. Then they said it will be looked into. He then talked to them and was told all was in order and that the first person was wrong. Now they contacted him saying it has to be reviewed again and may be another week for a decision. It's now been a month and he still doesn't have it and the funeral home wants paid. So they took the paperwork to fight with Prudential so they can get their money. It's a very small policy, I could not imagine trying to cash in a big policy. He cries everyday dealing with stuff that should not be an issue when you just lost a loved one.

For some unknown reason I am entitled to a minute amount money from Prudential Life Insurance listed under my deceased husband's name through my state. I have contacted Prudential headquarters, sent all requested information, including death certificate, and no one at Prudential can tell me what the money is for. Actually, they have "no record" of my husband. This has gone on for the past 5 years. As far as I know he may have had a life insurance policy. What to do?

Yesterday, 11/9, my husband contacted Prudential in order to amend my father-in law's acct. as he is now in an asst. living center. Very fortunately, he spoke with Todd, a cust. serv. rep. Todd was excellent! He walked us through the necessary steps, gave accurate and detailed information, doing all this with a calm, unrushed demeanor. I wish to recognize him for his terrific service. He should give seminars to cust. serv. reps with other companies on how to service customers!

This is so nuts and the opposite of what every company does these days. You cannot set up an annual automatic payment for your term life insurance. Reasons. Well you can set up a monthly automatic payments which results in a "service fee" of $4-$5 a month which in turn equates to $50 a year extra. What a joke. So to avoid this charge I instead have to wait for my antiquated paper bill every year and send in a check or login online and make a payment. I know this seems easy but it is so frustrating BECAUSE guess what. If you let a long term life insurance policy LAPSE you have to get re-rated at your current age which results in a higher premium (advantage Prudential). It is just such a glaring un-customer friendly way to do business, it really irks me. Congrats MBA sitting in your office somewhere who made his/her numbers with these stupid service fee $s and more lapsed policies. You are an idiot genius.

Prudential provided an initial quote for the policy. After health exam was completed, Prudential said they would now rate the quote. I asked why and to send me the reason. They sent me a clock face test report that was not created by me. Prudential created a false test report to require me to pay a higher premium. Definitely a bait and switch situation. Not a trustworthy company to deal with. There are plenty of honest insurance companies to work with.

On my India visit I had apply for my NRI and NRO account with local Branch manager in my hometown (Nasrullaganj). At the same time branch manager introduced me one ICICI Prudential sales executive and he insisted me to listen one good plan for NRI customers. Somehow sales executive succeeded to persuade me to buy investment plan, since he came with Branch manager whom we trust so I also trust on him what he committed and explained me about the policy. Since my account was not opened with ICICI, they only get my all signature on application form and salesperson took one signed on DD form of 200000 INR which later they cashed from my ICICI NRO account since they also took 1 HDFC Cheque of 200000 INR amount in my name which they later deposit in my NRO account so that DD which is they taken for policy can be issued/cashed.

My mother carried a $10,000 life insurance policy on my older brother to help family with expenses upon his death. She paid monthly payments for approximately eight years until her death where I was executor of her estate. About four months into handling her affairs, my brother passed away. I contacted Prudential with policy in hand but was told that the policy had lapsed 3 years earlier. When I commented that they had continued to accept payments every month since then, I was first told that they were returned and my mother had been notified in writing about the lapsed policy in 2009. I decided to turn everything over to an attorney. He was given the run around until the 3-year window to file a suit had passed. They did provide a sheet with dates and numbers where they had deposited her payments but supposedly sent payments back to her each month.

My mother had Prudential Life for over thirty years. She switched to a term policy back in 1990. After she lost her job, my mom policy lapsed with a reinstated letter in 2008 of December but she died on the 23 of December of that same year. The check was written for the policy and was never mailed because she had no way getting to the post office. I called Prudential and they said it was lapsed and there is nothing they can do. In January of 2009, only one month later, there was a similar incident that had happened in New York with a Dunkin Donuts owner's wife dying when her policy lapsed and when the media took hold to their story, they paid them.

I contacted Prudential about 4 days ago about how to go about cashing in a policy. My mother took out the policy when I was 6 months old so it is almost 70 years old. First I was told that they would email me the necessary form within 30 minutes. Well, it never came. So, I called back. Now I was told that because the policy was so old they would have to send the form by mail and I was told it would be overnight to my PO Box. Nothing came. So I called back again. I spoke to a csr who assured me that it had been sent. I also spoke to a "supervisor" who said just to be on the safe side she also would overnight me a form. Well neither form has ever arrived and I've gotten mail at this same PO Box address for the last 15 years without a problem. I called back again and asked the csr to check. He assured me that it would be delivered by 5:00PM on Friday, June 1 to my PO Box.

My family and I have been customers of Prudential Life insurance for 50 years plus and in late 2015, I received a payment coupon for interest due on a loan which was taken out on one of my four policies 34 years ago. I called their Customer Service to find out what this was all about and they wanted me to pay over $22,000.00 as the interest had been compounded yearly on the loans. I had no recollection of the loans and asked them to forward all paperwork connected to the alleged loans. I was informed that they had no paperwork to send me. I hired a lawyer to check into this and within several weeks I received paperwork from Prudential, but it had none of the important areas I needed to see who requested the loans. Customer Service advised me these loans could have been made over the phone. In an effort to resolve this matter, I have requested copies of the loan application including signatures to no avail.

We were advised it was better to take a loan out from my husband's whole life policy since we would be borrowing our own money. The loan was for about $8,000 about 20 years ago. We finally decided to cash out the policy and knew the loan plus the interest would be deducted from the cash value, but we just shocked to find out the interest had accrued to twice that of the actual loan to over $16,000! What? I called to ask for a copy of the original loan agreement and I was told that they are not required to keep that on file. AVOID PRUDENTIAL! This is the fifth and final policy we got rid of due to their deceitful business practices.

My son recently passed away at the age of 50years, 11months. I have held a life insurance policy of which I am the sole beneficiary since shortly after his birth. The policy was for the sum of $1000.00. Upon his death I attempted to file a claim. Because there had been an active child support levy placed upon said policy, I was informed that I would need to contact the Dept. Of Revenue to request this levy be removed before I would be able to collect the death benefit. I understand per their customer rep that this is Prudential policy in these situations and does not necessarily reflect how other life insurance companies deal with similar situations. I am extremely disappointed with their response especially after having been a customer for almost 51 years.

Had a LTR plan with Prudential that I paid 100% of the premiums through work. Became disabled and got approved for SSDI, but Prudential denied me stating some of the tests I had done I 'faked' the results. They are criminals, they should be in jail. Don't buy LTR from Prudential. Save your money instead.

In 2004 my brother who was a NJ state employee passed. Prudential never contacted me to say I was the sole beneficiary of a life insurance policy worth over 100,000, instead allowed my sister-in-law to assume my identity and steal the money.

I have had Life Insurance coverage with Prudential since 1977, both as an employee and as an independent person. Prudential is a company that treats its insureds very ethically, looking after the insured's interests. It does that same for its employees. The company puts its employees and its insureds first.

I have had limited interaction with Prudential and I like it that way. Their website is easy to use to get done what you need to get done and otherwise, I do not really need to interact with the company. The options are exactly what I need and the policy suits me. What more is there to say?

This company is helpful in many ways, claims, questions, actions, etc. to make sure we are covered completely for our needs. We receive monthly communications about new options, policies or updates that may be beneficial to my wife and I. We have always been treated fairly and with the utmost respect whenever we have dealings with the company. If we have questions, they are there to provide adequate answers to what we ask and then they offer to help us in any way possible. I would recommend this company not only for their professionalism but the extent they go to take care of my family. In the interest of being fair, I would give this company at least 8 stars out of 10 for their service, products, programs, policies, and professionalism in the treatment of all matters concerning our policy and insurance.

I have this life insurance free through my former employer. I like anything that is free! My employer handles this policy which means there is no work for me or my family. When the time comes that I am deceased, they will receive my life insurance total amount using one call.

Prudential is an innovative company that provides great service and reasonable rates. They are a very approachable company that looks out for their clients. Representatives are easy to work with and provide the necessary information to their clients. They are low pressure and care about those they do business with.

Have not experienced any negative issues with this company. They are easy and clear in understanding what the benefits are and have exceptional customer service. They research to relay current and correct information to its customers in a timely way. They send information through the mail to verify that your policy is understood and you can call and schedule a one on one to go over any questions you may have.

Prudential is an innovative company and guided me through all the steps involved to set up my account 25 years ago. They provided me an in-depth look at the length of time it would take to pay and suggested I select a "whole life" account vs. a "term" account. I can even borrow and the funds.

Very good. If I have questions, always answered. Never told to call back. Very helpful. Rates are good for the policy I have. If I need a cash loan, it is available to me. Good life insurance company. I have this policy about 15 years and increased the death benefit. No health exam needed to do this.

As part of the class action lawsuit, Prudential agreed that we would not have to pay premiums on the newer policies. Unknown to us, they had already been taking the premiums by borrowing on the older policy. That original loan has now accrued so much interest that we owe more than the policy is worth. The only way we found out about the loan was by looking in the premium book that I throw out because I have automatic payments set up on Bill Pay. I have called them several times and no one will get back to me. They never mentioned this loan when the class action suit was settled. I now have to pay them over $7,000.00 in interest which keeps going up. Prudential doesn't care about their customers nor are they concerned about their problems. They are a rude and greedy company.

Agent works with you to determine your life needs and determine how much insurance is needed to take care of survivor in the case you die; makes sure that survivor can get the financial help needed to keep living the lifestyle they want and can take care of the essentials.

When my husband died there were so many details to deal with. We had thought we had everything set up so it would be easy, but there were things we had not thought about (like the truck title in his name only). Fortunately dealing with the life insurance was no hassle. A few phone calls, easy form to fill out, and I had the check in hand.

Prudential has always been responsive to the changes in my life. Whenever I have wanted to make a change to my life insurance policy the reps. at Prudential have been courteous, knowledgeable and helpful. The company has never been pushy or aggressive about trying to get me to buy more insurance.

I became hospitalized for 76 days. While I was in hospital boyfriend wrote checks out of account. I mailed, faxed, mailed and called called and called some more to have my account changed and new checks issued been over one month and they keep saying they will call me back. They have my money and refuse to offer me the new account number or close my account. They have hung up on me 2 times. Horrible people.

It's a simple whole life policy that I bought when I was much younger so the premiums are pretty low. It accumulates savings over time so I can take some money out without losing the insurance. I've just recently been contacted by an agent who says he will be maintaining and managing my account. I thought that was rather nice since up til now, I had no one specific to contact.

My experience with Prudential is nearly identical to Sam of California. I submitted my payment over the phone as a one-time bank draft well within the policy renewal date. Subsequently, the payment was never presented to my bank and I received a notice of cancellation from Hartford/Prudential. On 2 separate recorded phone calls, one of which was conferenced by my Edward Jones consultant who sold me the policy nearly 10 years earlier, we provided THE CORRECT bank draft info only to have both of these drafts never present to my bank with letters following stating policy may lapse as a result. Multiple representatives took my information on recorded lines only to enter inaccurate account data each time, resulting in failed bank drafts. This is bad business.

I had the Whole Life Insurance with Hartford Insurance company since 1984. In 2015, this year, Prudential Insurance Company purchased the individual insurance portion and changed my Whole Life Insurance (Flexible Premium Adjustable Life Policy) to the universal life insurance. Now, they are requesting me to pay the premium of $145 a month (almost 500% increase) by saying if I do not pay that amount my insurance will be forfeited in 2016 (next year). In 1984, my insurance was calculated up to 2036 as the whole life - the premium of 34.50 a month. If I pay the requested premium every month for 20 more years, my payment will exceed the value of $50,000 policy. This is just immoral and unethical. If you, as the ConsumerAffairs services, can form a class action suit against the Prudential, I would like to be in it.

My father had a policy with Prudential Group Life for many years. He passed away on a Saturday. Our Funeral Home called on Monday to verify proof of insurance. They were told that it would be 3 to 5 days before they could give them any information. We need confirmation so we could make arrangements. I called the company that very morning. They told me it would be 48 hours before they could verify anything. Needless to say at that point my Dad had been laying up there for 3 days at that time. He was retired military (37 years in the Army National Guard). We were hoping for the funeral on and visitation on Tuesday and Wednesday. We could not plan, coordinate the funeral with the military without confirmation. They gave us the runaround for the next day. We finally buried my dad on Thursday (at this point 6 days later) thanks to Prudential.

In May 2015 a payment on one of the 2 life insurance policies that I own with Hartford did not go through due to non-sufficient funds at that day. On May 22, 2015 what I found out, I called and ask if they need a payment from another account or resubmit to the existing account as the funds are available. I was told to send a ACH form by fax with the account information again and that is sufficient, so I did.

Received annuity check for $14,000.00. I had filled out a power of attorney through LegalZoom for this and had the account number and extra forms signed and sent to Orlando so my aunt could receive the check. It took 2 months and I did not want the check, but I am stuck with it due the fed taxes due on it - # **. I do not want any further financial transactions with this annuity just an explanation of what happened. Thank you.

My brother lives in another state. His mother passed away and left him as the beneficiary on her policy. Because he is incarcerated he made me power of attorney. For years we have had no problems withdrawing money from the account. Now that he wants to take out the last of it they do not want to pay out. For the past year I have been going back and forth with these people. The first time they sent the check, it had the wrong address on it. The second check I could not cash it because it had POA on it. I mailed it back. I spoke with a representative and told them the problem. They agreed to issue another check. I told them "POA has never been on any check before. If you can't mail a check without POA on it don't bother mailing the check because I cannot cash it." This year March I get a letter stating if the money is not claimed because the check was not cashed the money will be turned over to the state. I replied to the letter.

My husband had non contributory group life insurance policy through Prudential. I was the beneficiary on the date he died. There was no change of beneficiary form on file after his death, on 11-08-2010. I was still listed as the 100% beneficiary on Jan 11th 2011. When I contacted Prudential I was told the policy was paid to a new beneficiary, a non relative even though the claim form stated she was a relative. Now Prudential says they can't communicate with me nor can they send me any paperwork. They can only send comments to the executor of his estate, who by the way was his private Nurse while he was in Hospice.

My ex husband passed away suddenly 9/12/ 2014 in a tragic accident. He worked for Wolverine Tube Inc. in Decatur, AL until September 2004 at which time he quit because the stump grinding/tree trimming business he started in 2001 while we were still married was doing well. We stayed in contact until 2005 when I decided to move forward with my life with someone else. We never discussed his retirement policy with Prudential he had through Wolverine Tube Inc. I never thought anything about that or the life insurance policies we had taken out on one another while we were married.

In 1997 I was offered a whole life policy through Prudential by my new employer. Assuming whole life meant there was some value accrued, I accepted the offer. When I turned 60, there was a substantial increase which was unexpected since I'd never received a copy of the actual policy. And I started noticing that the cash value was about $30 after 15 years of payments. Then I became extremely ill, cancer being part of it. This year my payments almost doubled and my cash value was $0.

Mom passed in 1999. We were contacted in 2014 and told she had a policy. After sending in paperwork, was told we needed death certificate. "All we need is that" to process the claim. Was told after sending that the check would be coming in 8 weeks. Another form to fill out then arrived which also stated reply must be sent by 4/9. The form was dated and sent 4/7! This company has gone out of their way to forward this policy to the state. They keep adding hoops to jump through every time I talk to them. This money belongs to the beneficiaries and they know it. Shame on Prudential.

Prudential is the worst company I have ever called on the phone or had to deal with! My employer does auto Enroll into 401k after you are hired on after the 90th day. You can select to not be enrolled, but what they don't tell you is if you don't contact prudential they will enroll you anyways and start taking out money out of your check. Also there is no way for you to fight this after it's happened or to retrieve the money unless you have over 1k in the account and then you can take a withdraw, but you have to pay that back.

I was paying for a supplemental Life policy on my Husband through my employer. Sadly he passed away in 2011. I was told by Prudential I had not sent in the proper paperwork yet it was coming out of my paycheck every 2 weeks. I did send in the forms asking about medical history a week after I received it. When my husband died I was given the insurance policy paid by my employer. I cant believe such a large well known company would take advantage of people going through such trauma. I paid for the funeral and was left with nothing. I have had to sell what little I had and relocate to live with my Son. I have sent letters and am being ignored. The more I think of it the more pissed off I become especially when I hear they have a habit of getting out of paying however they can. Its just sad.

My experience with Prudential Retirement with late payments has been a monthly currency since day one it seems. For someone who is on a medical disability and is relying on these funds monthly to compensate my creditors. I depend on these funds to be provided in a timely manner as promised. However when funds don't arrive as promised, it becomes a problem with my creditors. I was under the misunderstanding that it was my bank causing the funds not being in place when needed.

After paying for long term insurance and having been told when I took out the policy that it would pay for appliances that would keep me in my home (i.e. ramps, chair, lifts, etc.) I am now told that I have to be infirm. (I.E. can't feed my self, need help bathing, etc.). I have payed for this policy for about 15 years and now only need a chairlift because of arthritis in both knees making it difficult getting up the stairs. I feel I have been ripped off.

In 1985 my husband died. My agent was very helpful on getting paperwork done and sent in. I don't know what I would have done without him there through the hardest time in my life. Prudential has been good to my family.

I've called twice with long wait times and no resolution to my requests. People have trouble with YOUR computers in retrieving my information. The last time (Brian) the information was WRONG in that, I was told there was NO death benefit! I have 9 policies with different companies. Prudential is always the worst in terms of policy holders service. Why?

Even though I did not have the best experience with JustFab, I would like to take the time to say thank you to the complaints team who handled my complaint efficiently. The items I received were amazing but I did not know I was signing up for a membership. When I expressed my anger I was relieved to find how helpful and understanding the staff were and they were amazing and supportive in dealing with my issues. Customer service aspect of this company and the products are Just FAB! However the terms and conditions do need to be more clear.

I had to put my mother in a nursing home. We have run out of money and have applied for Title 19 assistance. In accordance with the government regulations, we must eliminate my mothers assets, which consist of 3 insurance policies. I contacted Prudential and they sent me the surrender forms which I completed and signed as will as including the POA. They rejected them because I hadn't signed it to their satisfaction. Now they say the POA is inadequate and they will not honor, even though the POA gives me the authority for "Insurance Transactions." I cannot pay the monthly charge without the cash from the policies, which must be expended before the government will provide assistance.

Wife passed away in May in 2014. Contacted by work, I was told my wife was covered by insurance policy thru work. Filled out three sets of paperwork and faxed to insurance co. Sent death certificates and everything else that they asked for. Finally receive a letter in the mail on Oct. 16 2014. It tells me that they are not paying because the autopsy stated that my wife had arteriosclerosis {hardening of the arteries for us normal folks} and that they have a sickness clause in the policy and as such they are denying the claim. How is this possible? My wife didn't ask to die or commit suicide. I have been left hanging because of the insanity of this company and its practices of ripping off the consumers of this country. Can anything be done.

My Dad and Mom had a life insurance policy through Prudential when we lived in Indiana. They were notified that all their records were burned in a fire and the policy was no longer in service. This was many years ago but I always wondered how they could get by with this.

Ins co. mailed out check for life ins proceeds to the beneficiary. After they accidentally sent the funds, electronically, to the deceased, State Escheated Dept. called me and told me not to cash the check as it was stopped, until this issue is resolved. They say it was their Error and they have notified the state that the transfer of funds was done in Error. Their Error. They assured me they are doing everything possible to get my money back, so they can re-issue me another check. Will this ins company be able to get my money back from the State and re-issue my check to me??

Prudential managed my retirement fund. In August 2013, I learned that they had terminated my retirement fund and awarded to someone based on ex-parte court order. I asked them to share the court order but not sharing since close to a year. I lodged my written complaint with Prudential Investigation Dept but they are also not answering and sharing any details. I have learned through their customer service that my mailing addresses were changed twice since 2007 by unauthorized person and they were sending my confidential financial details to unauthorized person. I lived outside of USA and I had provided them address of my close USA based relatives and had written them a letter that I was going outside of the country for a long time. It is clear that negligence has been committed by Prudential and they are not co-operating for a year to share details and reasons behind sharing my confidential details to an unauthorized person, closing and terminating my account and sharing related court orders. I am deprived of my money and rights.

For the last 14 years, I have been paying for my granddaughter as a child rider on my policy. Today I have been informed that through Prudential, this is not possible.

I have been making contributions to my company's 401K with Prudential for over 8 years. I recently was put in the position of having to move on short notice and wanted to use my 401 K monies as a hardship withdrawal to pay for my new principal residence, which my plan allows. Prudential told me initially that it would only take 48 hours to process this request. Two weeks later and now they are finally releasing the funds, but AFTER deducting 20% for taxes! I'm buying a principal residence with these funds, they should be exempt from taxes!! The woman handling my request kept asking for additional documentation to the point my realtor was having to make up forms not required in the state where I was buying and she even made the seller PROVE his identity (the purchase was partially owner financed)!! This was hugely embarrassing and the long delay blew our closing date, and now I'm out of thousands of dollars I had needed for the closing costs!

After my father recently passed away, I was tasked with gathering his life insurance policies and trying to assign them to the funeral home to pay for his funeral. Dad had very little life insurance and this policy in particular is only worth approx. $3200. After applying for the benefits, we were instructed that they (Prudential) require what is called a state issued "temporary letter of administration". Now because the state of my Dad's residence requires an attorney to sign and probate such letters of administration, we must first pay attorneys fees of $1500 in order to be paid this insurance benefit. I have been out of work since Aug. 2013 and cannot afford this expense at this time. Just wanted anyone interested to know how Prudential deals with customers after having paid a policy for over 40 years.

In 1971 I took out a $10,000 20-year paid up policy. In 1975 I punched a second policy of $18,000 paid up at age 65. Late in 1978 my agent died and a new agent was assigned from the Belleville, IL. office. He came by the house and sold me another policy for $20,000 and said that the dividends from my two other policies would pay the premium and it would cost me nothing for the extra life insurance policy. What he did was write loans on my two policies without my knowledge. This was a practice by Prudential at the time. They were later sued for this but my agent was no longer with them.

I have had a sickness/disability policy for well over 20 years. And as far as I can remember, it has been over 20 since I last claimed for 4 weeks pay when I ripped my shoulder out. October 2013 I was involved in a non fault car accident, which put me out of work for just over 7 weeks. I could have claimed my loss of income from the third party, but as legal matters take time, I elected to use my prudential policy, after all, I have not claimed on it for years. ''What a mistake to make.''

I paid premiums for about three years for a Homeowner's Policy. Reviewing the policy, I did not see the words 'manufactured home' anywhere. I contacted the agent and after exchanging a number of emails, his management advised that I should get a policy from another company because manufactured homes were not covered. I have requested to be reimbursed because I paid for something I NEVER had for all that time. I am still waiting for a response and I will update this information if/when I get one!

I took out a whole life policy in 1983. In 2007, I lost my job. By 2009, I was in dire need of funds when I could not locate a job. As I had been paying on this policy for so many years, I wanted to see if it had cash value. I was told I could take a loan on the policy for $12,000. If I did not pay it back, the face value of policy would decrease by that amount. In 2013, I just received a letter from Prudential that my $1 k loan was now over $17k and if I did not pay $617.00, I would default and give me only 30 days to pay it. Plus, they were going to report the now $17k to the IRS for taxes. I asked for a review and they said "tough luck" and I would have to pay it. I don't have the money in such a short time. I asked if I could have two payments and the answer was NO. Pay it or default. I've been a customer for over 30 years and this is what I got. PLEASE, NO ONE EVER TAKE OUT A PRUDENTIAL POLICY. Insurance is supposed to help you when you are older, not destroy you.

My wife and I each bought $100,000 whole life policies in 1990. We were told false interest earnings and were told that the policies would pay for themselves (abbreviate) in 9 years. 9 years pass and we were still paying and would have to pay for at least 13 years. Then, Prudential loses their huge class action lawsuit. As part of the class, we opt for the ADR individual appeal. Prudential agrees to "abbreviate" the policies. Yea, right. The following year, we each receive a bill for the policies for $40, next year, $60, etc. My policy got up to $150/year and they claim this is what I agreed to. Never. I'm so angry that I cash in my policy but leave the wife's in effect. Finally, in 2010 or so, my wife's policy requires no payment from us. I'm convinced that Prudential, who admitted they were wrong, mind you, continued charging "term life" prices just to anger people to the point of cashing in their policies, even though they lost the lawsuit. Now, at this age, even $150/year for a $100,000 is a steal but at the time, when they said they would abbreviate the policy, annual increases were outrageous. Hate this company forever. I like the box below about the attorney! Can't afford one, but would LOVE to hurt Prudential.

I'm the beneficiary on my fiance's group life insurance through his employer, Charter Communications. Chris passed away on 6/20/2013 while @ work & the autopsy reported he died of a heart attack. Charter processed the claim to Prudential & when I received the death certificate, I faxed it on 8/12/2013 & was told that I would receive proceeds in 3-7 business days. I called the claim office on 8/22/2013 & was told they had received a competing claim to the insurance proceeds. I'm the sole beneficiary & I believe that his ex-wife is the other party but Prudential tells me that they do not know who it is!

I had decided to surrender my paid-up whole life insurance. After hours of research and reading literature on the subject, I decided it was best for me and deemed fit for my emergency financial needs. Not one but TWO customer service reps at Prudential Life Insurance decided to argue with me. I should've known because after I told them what I would like to do and how I go about doing it, instead of TELLING me the paperwork involved, immediately they said, "Oh, wow, you're going to surrender this?" I've had this policy since 1985 and it took over two decades for it to accumulate a said, albeit small amount of money I would be receiving. One customer service rep told me how great the policy was. I reminded her that it really wasn't all that great. As if they were doing me a favor, for SOME odd reason they HATE when you surrender and want to argue. It was truly unreal. I spent hours upon hours researching my decision, not only am I an adult, but I'm fairly intelligent and there is no need for the ridiculous bantering about what I want to do with my own insurance policy.

I bought a policy in 1992. It was a combined pension/life insurance. Recently I submitted claim for terminal illness. Of course it was denied because insurance knows more than doctors. In my submission I required about my pension because I was told should I become disabled, I would be able to draw upon the monies. Well, now I'm told it's not a pension plan and there was a class action suit brought by policy owners sometime in 1996/97. So my pension is gone. I've written to Department of Banking and Insurance in NJ, my congressman, and Senator, along with Channel 7 Investigators. I'm not letting this go, but beware of this company. If there was a class action suit and they didn't let all of it's policy holders know, I'm sure the shady practices of this company runs deeper. Good luck.

My husband of 48 years died quite suddenly on 2/20/13. I was always the beneficiary but because he divorced me in 2005, I was denied. No one knew we needed to add ex-wife to the name by Ohio law. I have a funeral bill and other bills. I have been jacked around relentlessly. My attorney just received a check today for the estate. Of course, he gets a large chunk of it. I was only away from my husband 3 months and he begged me to come home.

On April 1, 2011 I received a letter from Prudential regarding my terminated 401K from SSL Americas Inc. The company was sold and I am still employed by the successor organization. I am 42 years of age and have two young children. I was told that if I did nothing by June 1, 2011, my account valued at well over $180,000.00 would be rolled over into a Prudential IRA. This was fine with me. For the next two years, I monitored the account on the internet website and was pleased that my mutual fund choices were still the same and the account was doing pretty well. There was no change in the title of the account and I assumed it was an IRA, and the calls I made to the company provided no further information.

I got tangled up with this group, unfortunately. I should have seen the warning signs. They kept pushing whole life, whole life, whole life... even though I was 39. Their next big idea was for me to purchase an annuity. What a ripoff. Luckily, I got away without getting skinned too bad.

I received a call from Prudential regarding a policy my father had for my mother. My father passed 6 months ago and my mother in 2001. I sent in the required paperwork 3 weeks ago. They state that it takes 5-10 business days to send the check. It's been 2 weeks. Today is the 5th consecutive day that I have called, only to be told that the check will be sent out tomorrow and someone will call me with a tracking number. I have had to deal with 3 other insurance companies and the state of New Jersey for larger sums of money without a problem and everything was taken care of promptly. Prudential? I still have no check in the mail. They're very annoying and very unprofessional.

In Jan. 2013, I received a letter from Prudential Life Insurance. My husband was the beneficiary. The policyholder was deceased in 2002, his ex-wife. My husband passed away in Dec. 2010. The letter I received knew all this and in the letter, they said to pay my husband's estate. He had no estate. I was his POA and we had a will. All monies and everything will go to me and I had no problem. The amount of money, I don't know yet. This insurance company said they would send it to me. They needed a death certificate of my husband and his ex-wife's claim form and how to disperse the money. I wrote and sent them all at once. I also sent a copy of the will.

My mother died on 11/11/2012. I received a life insurance pay-out check from Prudential Life drawn on Wachovia of Delaware. The amount was just over $1300. I signed the back, deposited it into an ATM (not my bank) in the same town I live. It was returned to the bank as "Returned, Not Authorized." After a long exasperating conversation with a woman from Prudential, I learned(?) that Prudential cleared the check on December 27. That took over 2 hours.

My mom passed away a couple of months ago. My family and I had to make changes to the current policy owners. I received the changes a past due notice that stated a policy amount for July was due. Payment was made when my mom was still living. I called and the rep said that one policy was a month behind. I told her when the payment was made and she claimed it was for a prior month. I find it strange that only one policy of the four was behind a month when my mom paid all of them at once. I asked for a breakdown of payments made because I needed to verify that what they were saying was correct. The rep said okay and then tried to sell me some Prudential products. I told her it was unprofessional and classless as I was dealing with the death of my mother and not looking for products. I never received the detailed information and we (my sister is owner of two policies now) never received any coupon booklets to make payments. My sister called and she was informed that the insurance has lapsed. We never received a booklet or invoice. My lawyer will review this.

Hardship withdrawal: On 7/25/12, my car was vandalized. My catalytic converter was sawed off my car. My car insurance denied my claim. I had no choice but to rent a car and pay for my car out of my paycheck on 8/2/12. That was my rent money. I went to check my 401K to get a loan. I didn't have enough funds to qualify for that. I noticed that I could apply for a hardship disbursement. I lived in the same apartment. I no longer have a lease. I am on a month-to-month with no documentation to that effect.

Refuse existence of a 1947 life insurance policy - I have a 20-year pay life insurance policy on me that Prudential says they cannot find in their active records. I have a letter dated 1964 that shows it's fully paid. Since I am still here and the policy clearly paid up and active until my death, what can I do to make them recognize it?

Life insurance benefit for my murdered daughter - I was sent 2 forms and was asked for a copy of the original death certificate. Ten days later, after Prudential found out that my daughter was murdered, they want the coroner’s report (not for the public use, including me), original death certificate to show she was murdered (no problem), attending physician (there was none) found by Broward County Sheriff's office in Pompano Beach and the police report (can't get for up to 1 year). I sent them the original death certificate, copies of the newspaper clipping showing she was murdered by ex-boyfriend, and a letter saying I can't get the other paperwork.

My aunt is now 89. Somehow, she missed her last payment on a life insurance policy she had since 1981. The payment was $12.66. Prudential turned that policy to a term policy that would expire to nothing when she is 95. She is in an excellent health, but to reinstate, they want a medical exam. Needless to say, she is distraught and disgusted. As a result, she is taking whatever money has accrued out of all her policies. I am writing to the Insurance Commissioner, Prudential corporate office and whoever else I can think of. Problem is, if this is done on a mass basis, Prudential is saving millions of dollars. Her agent never called her. What about seniors who have no advocates, who develop Alzheimer's or become incapacitated? By the time someone realizes what has happened, it is too late. Personally, I think it's criminal.

I turned 65 a year ago, and after some 25 years of prompt Prudential Life Insurance premium payments paid automatically from my payroll check and subsequently automatically generated by my bank on a quarterly basis, apparently their bill of December 2011 subtly included a premium increase (from $677 to over $1100 quarterly. I received no other notification of this important change.

I was trying to withdraw from my 401k for a month. It is a teamster 401k. Both my former employer and local teamsters rep has contacted Prudential and sent in all paperwork and I have called many times and they refuse to release funds due to me leaving the company. Every time I call, it is a different story; the last was a third party had to update status. Then I contacted the third party Gemgroup and my former employer did also. They said they updated the status to Prudential over a week ago and yet every time I have called this week, they act like nothing has happened on the account.

My mom passed away 5 weeks ago and Prudential mailed me forms to fill out because I am the beneficiary of her life insurance policy. I requested to be paid in a lump sum. Instead, Prudential took it upon themselves to place the money into their own accounts calling it my "alliance account" and stated that they would send me checks to use to draw from the account. I received a letter the other day from them stating this, but have not received these checks yet. When I called to complain that I did not authorize them to hold my money, they told me that they could send me a check for the amount due me but this would incur additional processing charges to mail it to me. I believe this is fraud. They have some nerve and have no right to hold people's money at their will to do so. I am furious.

In November 2011, I contacted Prudential Life to ask about the process for a "smoker rating" reduction. I received a letter stating I need to contact them after 1 full year. In early January 2012, I contacted Prudential Life to ask again. They referred me to rep Doug **. He sent a form for my signature. I signed and returned it immediately.

My father had a policy with me as beneficiary. After he passed several years ago, I tried to get the remaining policy build up as a cash out. Prudential ignored/denied communication, had no records of numerous calls on my part after months/years when the policy had declined to a few hundred dollars. They informed me I needed to provide death certificates and needed to wait till they could prove beneficiary or next authorized person on policy, etc. until they could let any money run out. I gave up and told them to take their money and shove it and please never contact me again. I just got a letter for premium due. Obviously, not only dishonest and underhanded, they are also incompetent. If they have done this to me, I am sure there must be thousands more. I am amazed that a known company like this has such unethical working practices. Shame on them.

I thought I was doing a good thing by using some of the worth of my policy to pay a loan I had taken out on it many years ago when I was in college. As it turns out, Prudential sent me a 1099-R saying I owe taxes on the amount of the loan I repaid. The IRS people told me they never heard of such a thing. I did not surrender the policy completely. Prudential could tell me nothing. Three of the referral phone numbers they gave me did not answer or even have a message system.

I received a letter from Prudential asking me to call them regarding a life insurance policy a deceased relative had with them. I did and found I was a beneficiary for a few hundred dollars but then they told me I could not claim the money unless I could furnish the birth dates and current addresses of the other beneficiaries.

In the process of requesting a loan on my life insurance policy I was informed I needed to fill out a change of ownership on the policy which they said would take 5 to 7 days. I did this and they lost the paperwork, so I went to an actual agent in an office. He submitted it for me and assured me that he would then request the loan as soon as the change was complete in 5 to 7 days. I contacted him approximately 14 days later and he was rude and hostile on the phone stating we were still waiting for the ownership change.

I requested a financial hardship and sent in all the paperwork they told me to. A week later I received a phone call stating I needed to send in a notarized letter with my wife's information so I sent that information in as well. Today I received a phone call saying the paperwork was all expired and I needed to re-submit everything. I am in danger of being evicted and should have been told the first time that the paperwork would expire within a few days. I spoke with a manager as well and she was very uncooperative. I have changed my contribution rate to zero and will never invest with this company ever again.

We did not receive our quarterly premium notice from Prudential. Without notice, our policy was canceled. After paying thousands of dollars in premiums, the last 17 years our death benefit of $45,000.00 was all lost. I feel that we were dropped due to our age. Why did we not receive the November 2011 premium notice? Our last premium period was paid from July 1, 2011-October 1, 2011. That was our last premium notice from the Prudential company.

My daughter passed away and had a $10k life insurance, through her employer. The employer contacted me regarding her insurance (I didn't know she had life insurance and she had named no beneficiary). I filed a claim with her death certificate, listing my daughter's biological father (mistake).

My husband passed away in June. I gave the funeral home the information for his life insurance he had through his employer, GE. After 4 weeks, I received a call from the funeral home saying they needed $500 from me since the insurance had not paid yet. I contacted the insurance company, Prudential, whom said they would send me out the documents that they require and complete forms and return with a death certificate.

In 2009, we received a letter from Prudential claiming we need to pay premium for my husband's life insurance which we use dividend to pay premium for over 10 years. When we called, one of the agents at the Customer Service said if we have paid premium on account, then ignore the letter. At the end of 2009, we received 1099, saying we need to report all premium paid by using loans from money we put on the account for the first 10 years because it's over the base. So far, we understand it but we were told to ignore the payment letter, not we did on our own decision.

I had insurance policies, and never knew that they were gone after 20 years of paying them. They say that they notified me that they needed to be paid by me, but I never received anything, saying that my policies were in trouble. These were policies that were paying themselves through dividends. I would have never known that my two policies were gone, if it wasn't that I was going to take a loan on my husband's retirement policy last year, which matured last year, when he turned 63. I just can't understand how a company can just let your life insurance go down the drain, without letting you know.