Prudential in the mid 1980's devised a scheme from the top down to have their agents re-sell life insurance policies that were NOT in the best interest of the consumer. Lots of mis-information and false values were given to the customers of several million policies. Prudential was sued in a class action suit that resulted in most policy holders getting shares of the company. Those shares were a mere pittance of the value those policy holders lost when they were convinced to buy new insurance policies, some losing several hundred thousand dollars. Stay as far away from Prudential as you p[possibly can! Read the other reviews to see how you will be treated!