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Founded in 1873 and headquartered in Newark NJ, Prudential Insurance Company is known throughout the world for its inovative insurance products and financial stability. Prudential Financial companies serve individual and institutional customers worldwide and include The Prudential Insurance Company of America, one of the largest life insurance companies in the U.S. These companies offer a variety of products and services, including mutual funds, annuities, real estate brokerage franchises, relocation services, and more. To learn more about Prudential and its various businesses that can serve your needs, visit prudential.com. At the bottom of this page is additional information on Prudential and its financial ratings.

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Here's the first tip: Many life insurance companies offer discounts at certain levels of life insurance. The discount levels usually are $100,000 - $250,000 and $1,000,000. $100,000 costs about the same as $50,000. If you are looking for $150,000, be sure to get a quote for $250,000. Likewise, if you want $750,000, look at $1,000,000. With the discount, the higher life insurance amount may be a better value.

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Prudential (Pruco) Life Insurance Company


Headquarters:
Newark NJ
Web Site:
http://www.prudential.com
Year Founded:
1873


Financial Strength Ratings

AM Best Company:
A+
Standard and Poor's:
AA-
Moody's:
Aa3
Fitch:
AA


What Do The Ratings Mean?

Ranking
A.M. Best
Standard & Poor's
Moody's
Fitch
Top
A++
Secure / Superior
AAA
Extremely Strong
Aaa
Exceptional
AAA
Secure / Highest
2nd
A+
Secure / Superior
AA+
Very Strong
Aa1
Excellent
AA+
Secure / Very High
3rd
A
Secure / Excellent
AA
Very Strong
Aa2
Excellent
AA
Secure / Very High
4th
A-
Secure / Excellent
AA-
Very Strong
Aa3
Excellent
AA-
Secure / Very High
5th
B++
Secure / Very Good
A+
Strong
A1
Good
A+
Secure / High
6th
B+
Secure / Good
A
Strong
A2
Good
A
Secure / High
7th
B
Vulnerable / Fair
A-
Strong
A3
Good
A-
Secure / High
8th
B-
Vulnerable / Fair
BBB+
Good
Baa1
Adequate
BBB+
Secure / Adequate
9th
C++
Vulnerable / Marginal
BBB
Good
Baa2
Adequate
BBB
Secure / Adequate
10th
C+
Vulnerable / Marginal
BBB-
Good
Baa3
Adequate
BBB-
Secure / Adequate
11th
C
Vulnerable / Weak
BB+
Marginal
Ba1
Questionable
BB+
Uncertain
12th
C-
Vulnerable / Weak
BB
Marginal
Ba2
Questionable
BB
Uncertain
13th
D
Vulnerable / Poor
BB-
Marginal
Ba3
Questionable
BB-
Uncertain
14th
E
Vulnerable / Under State Supervision
B+
Weak
B1
Poor
B+
Possessing Risk
15th
F
Vulnerable / In Liquidation
B
Weak
B2
Poor
B
Possessing Risk
16th
S
Rating Suspended
B-
Weak
B3
Poor
B-
Possessing Risk
17th
CCC+
Very Weak
Caa
Very Poor
CCC
Substantial
Risk
18th
CCC
Very Weak
Ca
Extremely Poor
DD
Liquidating
19th
CCC-
Very Weak
C
Lowest
SR
Suspended Rating
20th
CC
Extremely Weak
21st
R
Regulatory Action
22nd
pi
Based on public information only

Prudential's Worldwide Reach


Individual Life and Annuities Individual Life and Annuities manufactures individual variable life, term life, universal life, other non-participating life insurance products and variable and fixed annuities products and distributes primarily to the U.S. retail market through our proprietary and third-party distribution channels. In 2003 Prudential acquired Skandia U.S. Inc. ("American Skandia"). American Skandia is the largest distributor of variable annuities through independent financial planners in the United States.The acquisition propels Prudential into a top 10 spot in the annuity marketplace. Prudential's position in the variable annuity marketplace increases from 22nd to 8th as measured by sales (LIMRA 12/31/02) and from 14th to 5th as measured by assets under management (VARDS 12/31/02). This segment also includes our Agency Distribution sales force, which distributes variable and term life, investment and protection products with proprietary and non-proprietary investment options, as well as selected insurance products manufactured by others.

Group Insurance

Group Insurance manufactures and distributes a full range of group life insurance, long-term and short-term group disability insurance, long-term care insurance and corporate- and trust-owned life insurance in the U.S. to institutional clients primarily for use in connection with employee and membership benefits plans. Group Insurance also sells accidental death and dismemberment and other ancillary coverages and provides plan administrative services in connection with its insurance coverages.

Investment Division

The Investment Division conducts its business through Asset Management, Financial Advisory, and Retirement segments.

Asset Management

The Asset Management segment provides a broad array of investment management and advisory services, mutual funds and other structured products, and also consists of commercial mortgage securitization operations, hedge portfolios, and proprietary investment and syndication activities.

Financial Advisory

The Financial Advisory segment provides full service securities brokerage and financial advisory services to individuals and businesses through our joint venture with Wachovia Corporation. This segment also includes our equity security sales and trading operations, our investment research operations, and the distribution of our wrap-fee products.

Retirement

The Retirement segment manufactures and distributes products and provides administrative services for qualified and non-qualified retirement plans for companies of all sizes. These products and services are offered across the defined contribution market, including the 401(a), 401(k), 403(b), 457, and Taft-Hartley markets. We also offer products in the non-qualified retirement market. Additionally, this segment offers guaranteed products such as guaranteed investment contracts ("GICs"), funding agreements, and group annuities for defined contribution plans, defined benefit pension plans, structured settlements, and non-qualified entities.

International Insurance and Investments Division

The International Insurance and Investments division conducts its business through International Insurance and International Investments segments.

International Insurance

International Insurance manufactures and distributes individual life insurance products to the affluent market in Japan and other foreign markets through Life Planners. In addition, through the acquisition of Gibraltar Life in Japan, international insurance offers similar products to the broad middle income market in Japan through Life Advisors, a proprietary distribution channel that operates separately from Life Planners.

International Investments

International Investments provides private banking, asset management, and investment advice and product choice to high net worth and mass affluent retail clients and to institutional clients in selected international markets. Prudential's private wealth management business offers financial advisory, private banking and asset management services, as well as sales and trading for a wide range of futures and forward contracts, on a global basis, for retail and institutional customers. Prudential's investment business includes manufacturing of proprietary products and distribution of both proprietary and non-proprietary products, all tailored to meet client needs in the target countries.

Corporate and Other Operations

Prudential Real Estate and Relocation Services

Prudential Real Estate & Relocation Services is our integrated real estate brokerage franchise and relocation service business. The real estate group markets franchises primarily to existing real estate companies. Our franchise agreements give the franchisee the right to use the Prudential name and real estate service marks in return for royalty payments on gross commissions generated by the franchises. The relocation group offers a variety of services to relocate employees, including the inspection and sale of a home, equity advances, assistance in locating homes, and a variety of relocation policy and group move consulting services.

Corporate Functions

Financial Management

Financial Management focuses on controllership, planning, reporting, treasury functions, financial strategies, mergers and acquisitions, tax, actuarial, asset liability management, and risk management. This area also works with external parties such as rating agencies, financial analysts and government agencies. Financial Management professionals serve as the financial stewards of the company: understanding and communicating how and where we make money managing risk/return dynamics, and assuring Prudential's financial soundness to deliver on promises to customers.

Global Marketing Communications

Global Marketing Communications is responsible for the company's domestic and international marketing, advertising, public relations and employee communications. Ranging from corporate branding in the marketplace to communicating to all of our constituents about the company, Global Marketing Communications' mission is to create a consistent framework to enhance understanding of our business and increase shareholder value. Our dedicated communication professionals create and produce a wide range of print, broadcast and online materials targeted to employees, customers and businesses worldwide.

Human Resources

Prudential's Corporate Human Resources goal is to develop and execute strategies that positions the company with a competitive advantage in the marketplace through the attraction, development and retention of talented employees. Corporate Human Resources is comprised of specialized functions, such as Diversity, Learning, Compensation and Benefits and others that work together with professionals in the business divisions to identify strategic Human Resource solutions that help our businesses achieve their objectives.

Law, Compliance, and Business Ethics

The Law, Compliance and Business Ethics teams work together with Prudential's business divisions and corporate areas to ensure that relevant laws and regulations are adhered to and the highest standard of business integrity is maintained. Collectively these areas manage all legal matters including lawsuits filed against or on behalf of Prudential Financial, ensure that key policies and practices are followed, oversee the Company's regulatory tracking and reporting, and direct Prudential's internal conflicts of interest and ethics programs as well as internal investigations.

Corporate Operations & Systems

Corporate Operations & Systems collaborates with Prudential's businesses to leverage competitively benchmarked shared services across the company. These include technology, operational and administrative services such as Global Security, Print/Mail Operations, and Vendor Contract Management. In addition, Corporate Operations & Systems has policy and oversight responsibility for technology and risk management standards, business continuation, records management, and information security. The function also provides tools for the businesses to effectively and efficiently manage risk under the direction of the Operational Risk Committee.

(all infomation is from Prudential.com)

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