This company has the worst online and phone in customer service I have ever encountered. I was recently given power of attorney for my older parents and trying to change beneficiaries on policies. Their agent that they had for years moved on and they haven't had an agent for over 10 years. So when they asked me to make changes to the policies I decided to try it online first then phone into customer service after the website was too confusing to use. I wasted 2 days of my life dealing with the phone in customer service. I found a local Prudential agent who was willing to take on the work that I needed to get done. He is fantastic. If I did not find him I would never recommend this company to anybody. It sounds like the local agents have the same heartaches that phone in and online customers have as well. He has not told me this specifically but I can see there have been a lot of follow-up calls to me to get things straight. This is so unfortunate. My parents have had policies and annuities with this company for 50 years. Unless things change I would never recommend this company to anybody.