About Prudential Financial

Prudential Financial was established in 1875 by John F. Dryden. The company grew rapidly under the leadership of Dryden and, later, his son, Forrest Dryden. By 1922, less than fifty years after the company’s founding, Prudential’s total assets had risen to $830 million.

The company began selling group variable annuity policies in 1964. Prudential expanded its offerings in subsequent decades to include different types of annuities for individuals and groups, and from 1995 to 1997 had the sixth-highest annuity sales in the country.

As of November 2022, Prudential manages over $1.35 trillion in assets across its various insurance and annuity products. The company’s website describes its purpose as “To make lives better by solving the financial challenges of our changing world.”


Current Prudential individual annuity customers can contact the company’s customer service line for questions about their annuity policies: 1-888-778-2888

Credit Ratings

Annuity providers like Prudential Financial receive scores from independent agencies based on the provider’s overall financial stability. These scores are called credit ratings or financial strength ratings and help consumers make informed choices when purchasing an annuity. The higher the company’s ratings are, the more likely it is that it’ll be able to meet its insurance obligations.

The Prudential Insurance Company of America holds strong credit ratings from all four of the major credit rating agencies: AM Best, Standard & Poor’s, Moody’s and Fitch Ratings.

Prudential Financial Credit Ratings

Credit Agency Rating
AM Best






Standard & Poor’s

Source: Prudential Financial

Annuities Offered by Prudential

Prudential sells a range of annuity products designed to meet the retirement income needs of Americans. Most of the annuities Prudential offers are fixed index and variable annuities.

Prudential also provides a fixed annuity option. The Prudential Fixed Annuity with Daily Advantage Income Benefit® product offers guaranteed daily growth of the annuity’s value during its accumulation period. This product also comes with a built-in guaranteed lifetime withdrawal benefit, meaning that annuity holders can start receiving income whenever they choose and will continue receiving payments for life.

Fixed Index Annuities

Prudential offers three types of fixed index annuity products. These annuities accumulate interest based on two factors: a fixed interest rate that remains constant throughout the annuity’s contract and an interest rate tied to the performance of an equity market index. This way, annuity owners can benefit from strong market growth while still being protected from market losses.

Two of Prudential’s fixed index annuities, the SurePath® and SurePath® Income products, are only available for purchase through an independent marketing organization. SurePath® annuities feature benefits like tax-deferred growth and guaranteed principal protection.

The third Prudential fixed index annuity is PruSecure®. This annuity product can be more highly customized, with the annuity owner choosing what percentage of their annuity’s value is allocated to the index-based interest rate and what percentage is allocated to the fixed rate. Policyholders can also choose which of four equity markets the annuity is tied to.

Variable Annuities

The variable annuities Prudential offers can be divided into two categories: variable and indexed variable annuities. Prudential’s FlexGuard® and FlexGuard® Income products are indexed variable annuities. The main feature of these annuities is the ability to customize the terms of your contract based on three index crediting strategies. The FlexGuard® Income product also allows the annuity to take part in market growth after the annuitant begins receiving income payments, with the guarantee of a fully protected, fixed payment for life.

In addition to these indexed variable annuities, customers can opt for the Prudential Premier® Investment variable annuity. This product helps investors grow their assets more efficiently by allowing them to diversify the annuity contract across a wide range of investment options.

Lock In Fixed Annuity Rates as High as 6.4%

Connect with an annuity specialist.

Client Resources

Annuity customers can access information and get questions answered through Prudential’s online virtual chat assistant. Prudential customers may update their contact information or beneficiary details on the company’s website.

Prudential also publishes a financial education blog covering a wide range of topics, including:

  • Investment strategies
  • Financial wellness
  • Management of day-to-day finances
  • Planning for unexpected expenses
  • Preparing for retirement
logging in online

If you have an annuity with Prudential, you can log into your account at:

Prudential’s Personal Accounts Login Page

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Last Modified: July 4, 2023
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