Prudential Financial Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Prudential Financial Final Score
4.5 Stars
Prudential Financial was founded in 1875, giving the carrier 150 years of experience in the insurance industry. Prudential Financial specializes in providing financial services, investment management, life insurance, retirement benefits, group benefits, annuities, and mutual funds.
Thanks to its long history, expansive reach, and financial strength, Prudential Financial has earned a reputation as a superior insurance company with a stable outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Prudential Financial an “A+” rating, implying the carrier is a superior choice for insurance customers. High ratings from AM Best reassure customers that Prudential Financial can offer guaranteed, reliable coverage from a financially sound insurance company.
We award Prudential Financial a final rating of 4.5 out of 5 stars. The insurance company has been around for 150 years, which is notable.
Prudential Financial receives high ratings from AM Best. Coverage is offered in over 40 countries. The insurance company provides 24/7 claims reporting via phone and online, as well as online or phone bill pay.
There is a lot of information available about Prudential Financial's various coverage options on its official website; however, there is no claims response time frame promise or an outline of the company's claims process. It was not difficult to find a lot of positive customer feedback about Prudential Financial; customers appear to be happy with their Prudential policies and customer service.
We recommend looking into Prudential Financial for your life insurance needs, with the help of an independent insurance agent who can help you review your options and make the best choice.
Prudential Financial Pros and Cons
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Prudential Financial Products
Prudential Financial focuses on life insurance, investments, and retirement planning. It offers the following life insurance products:
- Term life insurance
- Universal life insurance
- Indexed universal life insurance
- Indexed variable universal life insurance
- Variable universal life insurance
Your independent insurance agent can help you learn more about Prudential's life insurance products and options.
What Discounts Does Prudential Financial Offer?
Prudential Financial does not provide information about discounts or savings opportunities for its life insurance portfolio.
An independent insurance agent can provide information about how to get the most affordable life insurance.
Prudential Financial Customer Service
Prudential Financial offers online claims reporting and management for its policyholders. The insurance company also provides the following customer service options:
- Online bill payment
- Phone or online account management
- Voice biometrics: Prudential Voice is a security feature that verifies a customer by the sound of their voice when they call the insurance company, allowing for fast and secure access to a customer’s information and accounts.
- Life insurance customer service is available via online chat or by phone
- The phone line is restricted to the following hours:
| Days: | Hours (Eastern): | ||
| Monday-Friday | 8 a.m.-8 p.m. | ||
| Saturday | Closed | ||
| Sunday | Closed |
Other customer service options and hours are available, but vary depending on the type of product you are referencing, e.g., annuities, retirement plans, etc.
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Prudential Financial FAQs
Prudential Financial does not provide an official claims response time frame on its public website.
Prudential Financial allows customers to file claims 24/7 by phone or online. The general customer service line for life insurance inquiries operates during specific hours. Customers can also ask questions via an online chat. The insurance company’s social media presence spans Facebook, X, and LinkedIn, making it much more accessible to customers.
Prudential Financial offers a couple of options for reporting claims. However, the insurance company does not detail its claims process on its official website or social media platforms. If customers have questions about filing or the claims process, they can contact Prudential Financial by phone or online, or get in touch with an independent insurance agent.
Prudential Financial creates a user-friendly online experience.
Prudential Financial’s website is clear and easy to navigate, but it could provide more detailed information about its products and claims process. Online bill pay is available, as is 24/7 claims reporting, which are both great modern customer service features.
https://www.prudential.com