MAKE SURE YOU READ ALL THE TERMS AND CONDITIONS!!!!! I bought a Savings plan from them and lost my job due to the pandemic and when I asked if I could Change or cancel my plan they said if I decided to stop I would lose ALL MY MONEY WORTH $10000! Basically they said I can put it on hold but I have to continue this plan for 6 years and hope that i get a new job soon to pay this. Yes it’s great that I can accrue savings in 10 years. But in a day of COVID 19 it is very difficult to plan 10 years. So I highly suggest you DO NOT buy any long term plans because you will be locked into it!!! I was not aware of this at the time of signing and though my agent is great, PRUDENTIAL DOES NOT DISCLOSE THAT YOU WILL LOSE YOUR MONEY IF YOU CANCEL THE POLICY WITHIN 2 YEARS!!!!