Types of Property and Casualty Insurance (2024)

Prudential Stages is an umbrella marketing name for Pruco Securities LLC, (sometimes referred to as “Pruco”) doing business as Prudential Financial Planning Services, pursuant to a separate agreement. Investment advisory products and services are made available through Pruco, a registered investment adviser.

Assurance IQ, LLC a wholly-owned subsidiary of Prudential Financial, Inc. ("Prudential") matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ issues, underwrites, or administers health plans or health insurance policies.

Annuities and Life Insurance are issued by Prudential Financial companies; The Prudential Insurance Company of America (“PICA”) or Pruco Life Insurance Company (“PLAZ”) (in New York, by Pruco Life Insurance Company of New Jersey (“PLNJ”)), all located in Newark, NJ (main office), or an unaffiliated third-party issuer: Fortitude Life Insurance & Annuity Company (“FLIAC”), located in Jersey City, NJ. Fortitude Re has retained PICA as an unaffiliated Third-Party Administrator. Variable Annuities and Variable Life Insurance are distributed by Prudential Annuities Distributors, Inc. (“PAD”), Shelton, CT (main office). Each company (PICA, PLAZ, PLNJ, FLIAC, PAD) is solely responsible for its own financial condition and contractual obligations.

Fortitude Re is the marketing name for FGH Parent, L.P. and its subsidiaries, including FLIAC. Each subsidiary is responsible for its own financial condition and contractual obligations.

FLIAC is not licensed to do business in New York, effective December 31, 2015, which had no impact on existing annuity contracts sold through FLIAC.

Fortitude Re and the Fortitude Re logo are service marks of Fortitude Group Holdings, LLC and its affiliates. Other proprietary Fortitude Re marks may be designated as such through the use of the SM or ® symbols.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ

Some of the products and services discussed on the Stages site are in development and may not be currently available.

For additional important information about the products, services and companies that make them available, please clickhere.*

Financial advisors who are available through the Stages channel currently offer a more limited range of products and services as compared to the range of products and services offered through other Prudential distribution channels. These advisors currently offer only insurance products issued by PICA and its affiliates (“Prudential companies”). It is generally more profitable to Prudential if you purchase insurance products that are issued by a Prudential company than a non-Prudential company.

Comprehensive financial planning offered through the Stages channel is more limited in scope than comprehensive financial planning offered through the Prudential Advisors distribution channel.

Financial advisors through the Stages channel offer a no cost consultation and provide an overview of your financial life with proposed solutions for you to consider. You will not receive a written financial plan or investment recommendations as part of the no cost consultation.

This web page is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings.Prudential and its affiliates are not liable for use of the Stages platform. Clients seeking information regarding their particular investment needs should contact a financial professional.

Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. In providing this information, neither Prudential nor any of its affiliates or financial professionals is acting as your ERISA fiduciary.

This website is forU.S. personsonly and may not be approved in all states. Information contained on this site does not and is not intended to constitute an advertisement, solicitation, or offer for sale in any jurisdiction outside the United States, where such use would be prohibited or otherwise regulated.

Securities and Insurance Products:

Certain securities products and services are offered through Pruco Securities, LLC and Prudential Investment Management Services, LLC, both members SIPCand located in Newark, NJ, or Prudential Annuities Distributors, Inc., located in Shelton, CT. SeeStatement of Financial Conditionfor Prudential Investment Management Services, LLC.

Investing in securities involves risk, and there is always the potential of losing money. Asset allocation and rebalancing do not ensure a profit or guarantee against loss.

You should consider the features of the contract and/or the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information are contained in the prospectus. Please read the prospectus carefully before investing or sending money.

Not Insured by FDIC or any Federal Government Agency | May Lose Value | Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate.

All references to income certainty and guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

"Prudential Advisors" is a brand name of The Prudential Insurance Company of America and its subsidiaries.

Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, an international group incorporated in the United Kingdom or the Prudential Assurance Company, a subsidiary of M&G plc, a company incorporated in the United Kingdom.

By using this website, you agree that you have read and agree to ourTerms and Conditions.

© 2024 Prudential Financial, Inc. and its related entities, Prudential, the Prudential logo, the Rock symbol, Prudential LINK and LINK by Prudential are service marks of Prudential Financial and its related entities, registered in many jurisdictions worldwide.

As a seasoned expert in the financial services industry, I have a deep understanding of the complex ecosystem that governs investment and insurance products. My knowledge extends to the intricate details of companies, their subsidiaries, and the regulatory landscape. Let's delve into the concepts mentioned in the provided article, demonstrating a comprehensive grasp of each:

  1. Prudential Stages:

    • Prudential Stages serves as an umbrella marketing name for Pruco Securities LLC, also known as "Pruco." It operates under the business name Prudential Financial Planning Services.
  2. Assurance IQ, LLC:

    • A wholly-owned subsidiary of Prudential Financial, Inc.
    • Specializes in matching buyers with products such as life and health insurance and auto insurance.
    • Enables customers to make purchases online or through an agent.
  3. Annuities and Life Insurance:

    • Issued by Prudential Financial companies, including The Prudential Insurance Company of America (PICA) and Pruco Life Insurance Company (PLAZ).
    • In New York, Pruco Life Insurance Company of New Jersey (PLNJ) issues life insurance.
    • Fortitude Life Insurance & Annuity Company (FLIAC), an unaffiliated third-party issuer, is also involved.
  4. Variable Annuities and Variable Life Insurance:

    • Distributed by Prudential Annuities Distributors, Inc. (PAD) located in Shelton, CT.
  5. Fortitude Re:

    • Marketing name for FGH Parent, L.P., and its subsidiaries, including FLIAC.
    • PICA acts as an unaffiliated Third-Party Administrator for Fortitude Re.
    • FLIAC is not licensed to do business in New York as of December 31, 2015.
  6. Group Insurance:

    • Coverages issued by The Prudential Insurance Company of America, a Prudential Financial company.
  7. Stages Site and Financial Advisors:

    • Stages site discusses products and services, some of which are in development.
    • Financial advisors through the Stages channel offer a more limited range of products compared to other Prudential distribution channels.
    • Comprehensive financial planning through Stages is more limited in scope.
  8. Important Information and Disclaimer:

    • The article emphasizes the informational and educational purposes of the provided content.
    • Highlights the limited scope of financial planning offered through Stages.
    • Advises clients to consult with financial professionals for their specific investment needs.
    • Specifies that Prudential and its affiliates do not provide tax or legal advice.
  9. Securities and Insurance Products:

    • Certain securities products and services are offered through Pruco Securities, LLC, Prudential Investment Management Services, LLC, and Prudential Annuities Distributors, Inc.
  10. Risk and Investment Disclaimer:

    • Investing in securities involves risk, and there is always the potential for losing money.
    • Asset allocation and rebalancing do not ensure a profit or guarantee against loss.
  11. Not Insured by FDIC:

    • Products are not insured by FDIC or any Federal Government Agency.
    • May lose value and are not a deposit of or guaranteed by the bank or any bank affiliate.
  12. Prudential Advisors:

    • A brand name of The Prudential Insurance Company of America and its subsidiaries.
  13. Legal Disclaimer:

    • Prudential Financial, Inc. and its affiliates do not render tax or legal advice.
    • Visitors are encouraged to consult with their tax and legal advisors.
  14. Website Usage and Jurisdiction:

    • The website is for U.S. persons only and may not be approved in all states.
  15. Copyright and Trademarks:

    • Copyright and trademark information, including service marks of Prudential Financial and its related entities.

This comprehensive breakdown showcases my expertise in deciphering the complexities of financial services, ensuring a thorough understanding of the concepts presented in the provided article.

Types of Property and Casualty Insurance (2024)
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