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vipph ph 33-Year-Old Female Director Supports Wu Liufang Amid Online Harassment, Dissolves Fan Group, Allegedly Goes Offline, Account Unblocked to Renew AttentionAffiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate life insurance products to write unbiased product reviews. Founded in 1875, Prudential Life Insurance offers competitive and flexible options with features appealing to those looking for long-term retirement planning. Business Insider compared Prudential Life Insurance against the best life insurance companies and found it to offer intriguing and unique policies. However, the company is held back by its poor customer service. Prudential Life Insurance Review Prudential offers a wide range of life insurance policies including term life, indexed universal, variable universal, and burial insurance. It also provides an uncommon indexed variable universal life insurance option, allowing policyholders to choose from various investments or link their cash value growth to an index like the S&P 500. Prudential's aggressive financial plans may appeal to many younger buyers and those with a stable income. However, buyers with lower incomes or who aren't sure about the financial system may be more hesitant to engage with Prudential. While poor customer reviews are common in the life insurance industry, it's worth mentioning that a significant number of negative reviews say that Prudential agents are hard to reach and customers often encounter long hold times when calling the company. This is particularly noteworthy as many of Prudential's policy offerings require active management, meaning policyholders must maintain frequent contact with the company. Offers aggressive financial plans. 779 A+ Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans) Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options con icon Two crossed lines that form an 'X'. Financial returns are limited con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception. Prudential Life Insurance Pros and Cons Convertible term life insurance No medical exam life insurance options Unique universal policy blends aspects of variable and indexed insurance Variable universal life insurance with no-lapse guarantee Poor customer reviews No online quotes available Prudential Life Insurance Plans Available Prudential offers a wide array of term, final expense, universal, indexed universal, and variable universal life policies to fit your needs. Prudential focuses on higher-value life insurance products, but policies can be very affordable given the higher value. Prudential's EssentialTerm plans are term life insurance policies. Applicants under 60 may qualify for these policies without a medical exam, but you must answer a health questionnaire and may need to provide additional health-related information for underwriting. Prudential's Value and Plus plans differ in their conversion options. EssentialTerm Value allows policyholders to convert their policy to any of Prudential's permanent options within the first seven years of the policy's life or before the policyholder turns 70, whichever comes first. In the eighth year and beyond, until the policyholder turns 70, policyholders can convert their policy to a designated conversion product. On the other hand, EssentialTerm Plus allows policyholders to convert their policy to any of Prudential's permanent options while the fixed premium period is still active or to age 70, whichever comes first. Term lengths: 10, 15, 20, or 30 years Minimum coverage: $100,000 Maximum coverage: $249,999 Eligible ages: 18-75 (Value); 18-62 (Plus) With Prudential's Term Essential®, you'll pay a fixed insurance premium until your term ends or you turn 95 for a tax-favored death benefit. Then, you can convert your policy into a permanent life insurance policy without undergoing an additional medical exam. Always check with your Prudential agent regarding any challenges later converting to a permanent policy. You may need to add a rider to guarantee conversion. Remember that when you convert, your rates will increase and Prudential may decrease your death benefit. With this term life policy, accelerated benefits are built in, meaning you may receive a portion of your death benefit while alive if you become terminally ill. Term lengths for this policy include 10, 15, 20, or 30-year options. However, given the limited term, should you develop a qualifying illness, filing your claim early is critical. If you need short-term coverage, PruTerm One offers one-year life insurance protection. Coverage is renewable annually, but premiums may change at every renewal. You can convert your policy within the first five years of your PruTerm One policy without a medical exam. After that, the policy would be subject to the same adjustments in premiums and value. The PruTerm One policy may provide a way for hesitant buyers to test the water. If you need more time to commit to a whole life insurance policy, you can get on board for a year and commit once you feel more comfortable making it a long-term part of your budget. PruLife Essential is a universal life insurance policy that grows your cash value tax-deferred. The PruLife Essential policy will stay in force regardless of the performance of your cash value as long as you pay your scheduled premiums (no-lapse guarantee). In addition, Prudential protects investments against market fluctuations with a 2% guaranteed minimum crediting interest rate. You can upgrade PruLife Essential to a survivorship policy, which protects two people and pays out when both policyholders die. Known as the Prulife Essential SUL , this universal policy comes with a limited no-lapse guarantee for 10 years. After those 10 years, you can supplement your policy with the lapse protection rider to ensure your policy will stay in force. PruLife Founders Plus is an indexed universal life policy that builds cash value through three interest-crediting strategies. With one approach, the cash value grows based on fixed interest. This interest rate is guaranteed to never dip below 1% and currently sits at 3.95%. The second strategy tracks the S&P 500 for growth potential with a 0% growth floor and a growth cap, which can vary from month to month. The cap is currently set at 8.25%. The third strategy tracks the Goldman Sachs Voyager Index, which is exclusive to Prudential. It has a 0% growth floor and no growth cap. The participation rate is set at 100%, though Prudential does not guarantee that it will stay 100%. This option stays relatively stable as the market experiences volatility. The Prudential Momentum IUL is another indexed universal life insurance that offers four interest-crediting strategies. Fixed interest rate account: Guaranteed interest that never drops below 1%. One-Year S&P 500 capped account: Cash value growth is linked to the S&P 500 with a cap on the returns your account can receive. Six-Month S&P 500 capped account: Offers the same benefit as the one-year account, but you'll see returns faster. This option is better for compound interest, but its cap is lower than the one-year option. One-Year S&P 500 uncapped account: This account does not limit the interest your account can accrue in a segment, but it tempers growth by limiting the participation rate, meaning the interest you accrue will be a percentage of the actual growth of the index instead of growing at a 1:1 ratio. One-Year Nasdaq 100 capped account: Operates similarly to the one-year S&P 500 account, but tracks the Nasdaq 100. All accounts (excluding the fixed interest rate account) have a 0% floor. Prudential's variable life insurance offers a cash value benefit with an à la carte menu of over 50 investment options, meaning you take on more risk in pursuit of higher returns. But, like its indexed universal life insurance policy, the VUL Protector has a no-lapse guarantee. So your policy will remain effective even if your cash value reaches zero. This policy also has a survivorship option, so couples can be insured together, continuing to grow the policy after the death of the first. If you're interested in the survivorship option with any policy, we recommend talking to a Prudential life insurance agent to ensure you qualify. FlexGuard is Prudential's indexed variable universal life insurance policy, providing the benefits of indexed and variable policies. Under Prudential's IVUL policy, policyholders have three options for building cash value: 9 underlying variable investment options 3 index strategies Fixed-rate option (1% guaranteed) Prudential's PruLife® Custom Premier II is a variable life insurance policy. This policy allows you to choose over 50 underlying investment options based on risk tolerance and investment goals. It also has fixed-rate options for steady returns, equity, fixed-income investing, and asset allocation to diversify your portfolio . With the variable life insurance plan, you get flexible premium payments and flexibility in your death benefit. You can also pair the PruLife® Custom Premier II with the S&P500 account rider to offset market volatility and other risks. Prudential offers a burial insurance policy for applicants age 50 to 85 with no medical exams or lab work required, though you'll have to answer a health questionnaire. Death benefits ranging from $5,000 to $30,000 are guaranteed as long as you pay your premiums. Accidental death benefit: Supplement your policy with this additional death benefit rider if you're in a high-risk industry or engage in risky activities. Beneficiaries will get a higher death benefit if their death is caused by a covered accident. Terminal illness/living needs benefit: All Prudential policies include this rider at no extra cost. It allows terminally ill policyholders to access a portion of the death benefit. For policyholders and their families, this can alleviate the financial stress associated with a severe illness. Waiver of premium: This rider offers relief by waiving your premiums if you become fully disabled. Children's protection rider: You can provide life insurance for your children at an additional cost. As adults, children can buy a life insurance policy. BenefitsAccess: This rider offers early access to your death benefit if you become terminally or chronically ill. Enhanced cash value: This rider allows you to accumulate more cash value in the early years of your policy. Overloan protection rider: Overloan protection prevents a lapse in your coverage if you have an outstanding loan against your policy (i.e., you took out a loan to access your life insurance benefits early and chose not to repay). It applies under set conditions and has to be selected upfront, but Prudential specifies there's no additional cost if it's not exercised. Guaranteed policy split rider: This rider allows you to split the policy into two individual policies if the policyholders get divorced, or the unlimited marital deduction is repealed. S&P 500 Indexed account rider: This rider offers additional protection against volatility with a guaranteed 1% floor. It allows you to enjoy the benefits of high variable returns with less risk in a down market. It may subject you to an interest cap. Find affordable life insurance quotes online with Everyday Life Insurance . How Much Does Prudential Life Insurance Cost? The average cost of life insurance varies based on factors like age, health, policy type and limit, and more. As you can see in the charts below, the average term rates for 25, 35, and 45-year-old adults in good health are highly affordable for the average consumer. However, Prudential rates come in higher than the industry average. Profile Prudential Average monthly premium Industry average premiums 25-year-old female $29.56 $21.08 25-year-old male $40.73 $26.90 35-year-old female $34.35 $25.58 35-year-old male $43.80 $30.34 45-year-old female $58.02 $47.86 45-year-old male $67.89 $60.76 Source: Policygenius How Do I File a Claim with Prudential Life Insurance? You can file a claim with Prudential life insurance online or by calling your life insurance agent. You'll need details like the policyholder's name, date of birth, Social Security number, or policy number to begin the claims process. Prudential Life has a digital claims checklist to ensure you have the necessary documents to file a claim when the time comes. For further assistance, you can reach the team through the following: Virtual chat Phone (for policy numbers not beginning with "FE" ): 1-800-778-2255 Phone (for policy numbers beginning with "FE" ): 1-833-626-1865 Prudential Life Insurance Customer Reviews and Ratings Customer reviews of Prudential are overwhelmingly negative, receiving an average of 1.2 stars out of five on Trustpilot and one out of five on its Better Business Bureau page. Additionally, Prudential is not accredited with the BBB and received an F. Reviews mentioned a wide range of issues, from slow processing times, denied claims, unreachable agents, and long hold times on calls. Additionally, customers complained that their calls would be sent to offshore call centers. Life insurance companies with a large collection of negative reviews is not uncommon in the industry. Partially, this is because customers often only leave reviews when they have something to say, which is usually negative. However, Prudential placed 16th for customer satisfaction in JD Power's 2023 survey of 22 life insurance companies, receiving a 779/1,000 where the survey average was 790/1,000. For reference, State Farm placed first, scoring 843/1,000. The National Association of Insurance Commissioners' complaint index rates a company based on the number of complaints it receives against its share of the market. The average NAIC complaint index score is 1.00, meaning if a company scores below 1.00, it has fewer complaints than expected for a company of its size. If the company scores above 1.00, it has more complaints than the industry average. Prudential scored 0.66, indicating that it has fewer complaints than expected, given its market share. Compare Prudential Life Insurance Learn more about how Prudential Life Insurance compares with leading life insurance providers. Corebridge Direct offers term life, burial insurance, and indexed universal life insurance. Corebridge's term life insurance offers far higher maximum death benefits, which top out at $2 million compared to Prudential's $249,999 limit. That said, Prudential's term life does not require a medical exam, while Corebridge's does. Prudential has far more options for universal life insurance with its unique indexed variable universal life insurance option. However, Corebridge Direct offers up to $2 million in universal life insurance coverage without a medical exam for applicants 59 and under, which is uncommon. Corebridge scored 0.54 on the NAIC company complaint index compared to Prudential's 0.66. Prudential received an A+ (Superior) financial stability rating from AM Best, and Corebridge Direct received an A (Excellent). Both companies are financially stable, but it's worth noting that Corebridge has only been an operating since 2022. Ultimately, Prudential offers heftier permanent life insurance, but Corebridge is the better choice for permanent life insurance if you don't want to take a medical exam. While Corebridge offers higher max death benefits for term life coverage, Prudential is the better choice for term life insurance if you don't want to take a medical exam. Read our Corebridge Direct life insurance review . Lincoln Financial Group Life Insurance offers term and universal life insurance. It offers qualified applicants up to $2.5 million in term life coverage without a medical exam and up to $1.5 million in IUL coverage without a medical exam. Additionally, it offers a variable universal life insurance policy with over 75 investment options. Lincoln Financial scored 0.30 on the NAIC company complaint index, far lower than Prudential's 0.66. Additionally, Lincoln Financial ranked five places higher than Prudential in JD Power's life insurance customer satisfaction survey. Lincoln Financial scored 788/1,000, just two points under the survey average, while Prudential scored 779/1,000. Between Prudential and Lincoln Financial, Lincoln Financial is the better option, with its wider variety of investment options for variable life insurance. Read our Lincoln Financial life insurance review . Prudential Life Insurance FAQ Yes, Prudential life insurance offers no-exam policies for term life insurance. It also offers burial insurance that does not require a medical exam. You can get in touch with Prudential life insurance customer service by calling 1-833-626-1865 if your policy number begins with "FE" and 1-800-778-2255 if your policy number does not begin with "FE." Yes, Prudential offers guaranteed issue life insurance, which functions as burial expense insurance. However, it does not offer traditional whole life insurance . Why You Should Trust Us: How We Reviewed Prudential Life Insurance The four primary criteria we use to review life insurance providers are affordability, customer service, reliability, and company offerings. Companies receive five stars for cost when premiums are close to the industry average cost of life insurance. According to our article on the average cost of life insurance , a life insurance policy may run you about $40 to $55 a month. However, cheap life insurance doesn't mean you're getting quality coverage. So, we weigh affordability against the company's offerings, customer service, and other factors. We used the latest JD Power life insurance study to determine which company offers quality customer service. Approximately 3,000 life insurance customers score insurance companies yearly based on communication, interaction, price, product offerings, and statement satisfaction. Companies ranking above the industry average of 774 points have strong customer service. We also used AM Best, a renowned credit rating agency, and the NAIC's complaint index to evaluate a company's financial stability and trustworthiness. AM Best tells us a company's financial health, and the NAIC's complaint index scores a company based on the aggregate total of complaints it receives. Finally, we looked at what each company has to offer, including policy options, riders, and features like medical exam waivers. We also determined which demographic would most benefit from the company based on its products and prices. Read more about how Business Insider rates life insurance . Car insurance Life insurance Home insurance Travel insurance Pet insurance Credit Credit cards Retirement planningNone

In conclusion, Yao Ming's eligibility for the Hall of Fame and the spokesperson's emphasis on his consent have added depth and richness to the ongoing discussion surrounding his basketball legacy. As the basketball world eagerly anticipates his induction, one thing is certain: Yao Ming's presence in the Hall of Fame will be a momentous occasion, honoring a player who transcended borders and united fans around the globe with his extraordinary talent and undeniable impact.

"We are a team that thrives on challenges," Gobert asserted. "We know that the journey to a championship is not easy, but we are prepared to do whatever it takes to achieve our ultimate goal. Our shared experiences have prepared us for this moment, and we are ready to write our own chapter in the annals of NBA history."

Chic on the cheap in JapanTragedy struck a busy street one fateful afternoon when a young boy, who had just witnessed a senseless act of violence, met a tragic end under the wheels of a passing truck. The incident unfolded in a matter of moments, sending shockwaves through the community and sparking conversations about safety, bystander intervention, and the alarming rise of random acts of violence in our society.

As Xiaohua worked her magic, Xiangzuo sat back and enjoyed the pampering experience, playfully interacting with the audience and expressing his gratitude to his wife for the creative hairstyle. The couple's chemistry and infectious energy drew viewers from all corners of the internet, as fans tuned in to witness the transformation unfold in real-time.As a result of these developments, the once monolithic anti-American sentiment that pervaded the global stage has begun to crumble, with doubts being cast on the narrative of US hegemony and exploitation. The newfound confidence and assertiveness displayed by the United States have challenged the established order and created a sense of uncertainty among those who have long opposed American influence.Title: A New Chapter in the Middle East: America's Comeback Disrupts the Anti-US Global Order, Putting Taiwan Strait Under Pressure

Federal prosecutors have argued against dismissing charges against Hunter Biden following a presidential pardon granted by his father, President Joe Biden . The legal filing, submitted to the U.S. District Court for the Central District of California, states that no legal precedent mandates the dismissal of an indictment simply due to a pardon, even if it was granted by the president. Hunter Biden had been convicted this year of federal charges related to tax evasion and illegal possession of a firearm. The charges carry combined penalties of up to 42 years in prison. Following the pardon, Biden's legal team submitted a motion arguing that the "Full and Unconditional Pardon" necessitates dismissal of the charges with prejudice, effectively ending the case. But prosecutors, led by special counsel David Weiss, countered this assertion. "A pardon does not blot out guilt or expunge a judgment of conviction," the filing stated while citing past rulings such as United States v. Steven Bannon . They emphasized that a pardon removes the punishment but does not invalidate the legal basis for an indictment. The prosecutors' opposition draws on historical practice and judicial precedent. They highlighted cases like United States v. Urlacher , where pardoned individuals were administratively terminated from court records rather than having their charges dismissed outright. "The majority of courts, when faced with such a decision, have chosen to dismiss an indictment only with the government's consent or where single-defendant cases were involved," the memorandum reads​. Weiss also referenced the D.C. Circuit's decision from In re North , which found that a presidential pardon does not erase probable cause for guilt established in an indictment. "An indictment establishes probable cause that the accused has committed a crime. Guilt can only be established by a much higher standard, proof beyond a reasonable doubt," the filing stated​. Hunter Biden's defense team has contended that the charges were politically motivated . In a separate document, they labeled the prosecution as a "surrogate to attack and injure his father." Prosecutors dismissed this claim, arguing there was no evidence supporting allegations of selective or vindictive prosecution. Courts in California and Delaware had previously rejected similar motions from Biden's team, finding no credible basis​. "To the extent that Defendant's claim that he is being selectively prosecuted rests solely on him being the son of the sitting President, that claim is belied by the facts. The Executive Branch that charged Defendant is headed by that sitting President—Defendant's father. The Attorney General heading the DOJ was appointed by and reports to Defendant's father. And that Attorney General appointed the Special Counsel who made the challenged charging decision in this case—while Defendant's father was still the sitting President," the Delaware court ruled. President Biden's decision to pardon his son has sparked significant criticism, with opponents saying it defies the president's prior promises to maintain independence and integrity within the justice system. Biden defended the clemency: "Raw politics infected this process and led to a miscarriage of justice." He also expressed hope that the American people would understand his actions as both a father and the president​.

Surat: 35-year-old Smit Jivan, a businessman, allegedly murdered his wife and son in Gujarat's Surat and also attempted to kill his parents and tried to die by suicide. His parents are in critical condition, while his injuries are less severe. Jivan reportedly murdered his 4-year-old son and his wife on Friday. He then stabbed his parents, who are in critical condition, and then attempted to kill himself, but survived. The Jivani family, hailing from Savarkundla district, a town in Amreli, lived on the eighth floor of Surya Tower for many years, a Times of India report stated. On Friday morning, Jivani attacked his family members with a knife. He first killed his son when he was asleep and then his wife Hiral. After that, he attacked his parents, and later attempted to take his own life. His mother, Vilasben, who survived the attack, managed to seek help from neighbors, who brought the family to the hospital and alerted the police, the report further added. According to the police, Jivan's mother provided crucial details about the gruesome incident. She revealed that her husband’s elder brother had passed away prior and the Jivani family had visited the family multiple times. Meanwhile, during one of these visits, a relative asked Jivani to distance himself, stating they no longer wished to maintain a relationship with them, the report added. She also mentioned how Jivan expressed his feelings of isolation and unwanted, that nobody wished to associate with him anymore. According to the Assistant Commissioner of Police, VR Patel stated, “Smit runs an online business. The exact reason behind his actions is yet to be ascertained. We are hopeful that his parents will regain consciousness so that we can speak to them in detail about what exactly happened.” It is also suspected that Smit accumulated significant debt and likely incurred substantial losses in the stock market, the TOI report further stated. Get Latest News Live on Times Now along with Breaking News and Top Headlines from Crime and around the world.