Prudential Financial Insurance Company at a Glance
- Founded in 1875
- File and track online claims 24 hours a day, 7 days a week
- Free online quotes
- “A+” (superior) rating by A.M. Best
Prudential Financial pros: A well-established carrier with 145 years’ worth of experience in the insurance industry. Highly rated by A.M. Best with a score of “A+” (superior). 24/7 claims reporting via online and phone. Strong financial stability with a stable outlook.
Prudential Financial cons: They are not BBB accredited. There are no product reviews on the official website.
What Type of Insurance Does Prudential Financial Offer?
Prudential Financial is a specialized insurance company, with a focus on coverage for life insurance. Prudential Financial offers the following insurance products:
- Life insurance
- Fixed and variable annuities
- Auto, home, RV, and watercraft insurance
- Personal liability insurance
- Retirement planning and investment services
Your independent insurance agent can assist you in finding more information about the coverage offered by Prudential Financial and help you decide if this insurance company is right for you.
What You Should Know about Prudential Financial Insurance
Prudential Financial was founded in 1875, giving the carrier 145 years’ worth of experience in the insurance industry. Prudential Financial specializes in providing financial services, investment management, life insurance, retirement benefits, group benefits, annuities, mutual funds, technology, financial wellness, an inclusive culture, and a purpose driven organization.
Today, Prudential Financial still focuses on providing multiple insurance solutions for its clients when needed. Coverage is offered in 40 countries across the globe. The insurance company's LinkedIn profile states that Prudential Financial has more than 10,000 employees, with 26,508 of them found on the social media platform. As far as financial size, A.M. Best places the carrier in the $2 billion or greater category.
Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet.
For customers not familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term and to remain a strong, financially sound insurance company in the long term.
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. A.M. 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 A.M. Best reassure customers that Prudential Financial can offer guaranteed, reliable coverage from a financially sound insurance company.
What Discounts Does Prudential Financial Offer?
Prudential Financial offers a variety of discounts for you to take advantage of and include:
- Quote in advance discount: This discount is offered to customers who obtain a quote in advance.
- Home ownership discount: This discount is offered to customers who own a home.
- Opting for electronic delivery of policy documents (eDocuments): This discount is offered to customers that elect to receive electronic policy documents.
- Claim experience discount: This discount is offered to customers that do not put in a claim against their insurance for a minimum of three years.
- Defensive driving discount: This discount is offered to customers that take a defensive driving course.
An independent insurance agent can provide more exact discount information and premium quotes for coverage through Prudential Financial. When it comes to coverage, independent insurance agents work hard to get you the most economical price.
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.
- Customer Service Availability: Prudential Financial’s customer service is available 24/7 online or by phone.
|Monday-Friday||8am - 10pm|
The best way to make sure you get a painless customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Prudential Financial FAQ
What is Prudential Financial's average claim response time frame?
Prudential Financial offers claims reporting through a couple of methods, via online or phone. However, the insurance company does not provide an official claims response time frame on their website.
What is Prudential Financial's customer service availability?
Prudential Financial allows customers to file claims over the phone or online 24/7. Their hotline for customer service inquiries specifies business hours on their official website. The insurance company’s social media presence stretches across Facebook, Twitter, and LinkedIn, which makes much more accessible to customers.
What is Prudential Financial's claims process?
Prudential Financial offers a couple of options for claims reporting. However, the insurance company does not detail their claims process on their official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact Prudential Financial via phone or online or get in touch with an independent insurance agent.
Does Prudential Financial create a user-friendly experience for customers?
Prudential Financial Customer Reviews
|“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.” -Larry of Glendale, AZ|
|“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.” -Dwayne of Philadelphia, PA|
|"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." -Mary of Grand Prairie, Texas|
|“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.” -Ann of Bellmawr, NJ|
|“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.” Pooja of Nashik|
TrustedChoice.com's Final Review
We award Prudential Financial Insurance Company a final rating of 4.6 out of 5 stars. The insurance company has been around for over 140 years, which is notable within the insurance industry.
Prudential Financial has received high ratings through A.M. Best. Coverage is offered in over 40 countries and they have many insurance options to choose from. The insurance company provides 24/7 claims reporting via phone and online, plus online or phone bill pay.
There is a lot of information available about this insurance company’s various coverage options on their official website; however, there is no claims response time frame promise or an outline of their claims process available. It was not difficult to find a lot of positive customer feedback about Prudential Financial online, and there are many good reviews available, if you know where to look.
Therefore, our recommendation is that if you are in the market for life, home, or auto insurance, review your options for trusted carriers with your independent insurance agent, and look into how Prudential Financial can help you with your insurance needs.
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