It is obvious that all the new customer service personal only know what they read. If you try to explain something to them they just answer with the same thing they said before. I have been with Prudential all my life, what a mistake. When I receive a letter from them the company I feel sick and worry all night about having to deal with them again. My son always know when I am calling them because of how I sound and most of the time I end up in tears. I feel like they will never get my problem fixed..It seams to me that it is more important to out source the customer service and save money. I will stop rambling on and on but I could.