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Glossary
Adjusted release of CSM reflects an adjustment to the release of CSM in respect of losses on onerous contracts and gains on profitable contracts that can be shared across more than one annual cohort, and hence which are combined for the purposes of determining the adjusted release amount.
Adjusted CSM release rate is defined as the adjusted release of CSM to the income statement in the period divided by the total of the closing CSM balance after adding back the adjusted release in the period and the effect of movements in exchange rates.
Adjusted IFRS operating profit based on longer-term investment returns.
Adjusted operating profit less tax attributable to items within adjusted operating profit.
Adjusted total comprehensive equity represents the sum of Group IFRS shareholders’ equity and CSM, net of reinsurance (unless attaching wholly to policyholders), non-controlling interests and tax.
New business profit generated from the agency channel.
A measure of new business activity that comprises the aggregate of annualised regular premiums and one-tenth of single premiums on new business written during the year for all insurance products.
An active agent is defined as an agent who sells at least one case with a Prudential life insurance entity in the month. Average monthly active agents is expressed for each reporting period as the sum of active agents in each month divided by the number of months in the period.
New business profit generated from the bancassurance channel.
Calculated as adjusted operating profit after tax, less non-controlling interests, divided by the weighted average number of ordinary shares outstanding during the year, excluding those held in employee share trusts, which are treated as cancelled.
New business profit growth objective
Our new business growth objective assumes average exchange rates of 2022, and is based on regulatory and solvency regimes applicable across the Group at the time the objective was set. It has been updated from the previous EEV methodology to the existing TEV and free surplus methodology applied to both 2024 and 2025 TEV results and assumes this will be applicable over the period, with no material changes to the economic assumptions.
Operating free surplus generated from in-force insurance and asset management business growth objective
Our operating free surplus generated from in-force insurance and asset management business growth objective assumes average exchange rates of 2022 and is based on regulatory and solvency regimes applicable across the Group at the time the objectives was set. It has been updated from the previous free surplus methodology to the existing TEV and free surplus methodology applied to both 2024 and 2025 TEV results and assumes this will be applicable over the period, with no material changes to the economic assumptions.
A customer is defined as a unique individual or entity who holds one or more policies, that has had premiums paid, with a Prudential life insurance entity, including 100 per cent of customers of the Group's joint ventures and associates. Group business is a single customer for the purpose of this definition.
Net promoter score on overall strength of customer relationship, based on customers’ survey responses to how likely they would be to recommend Prudential. It measures the response on a scale of 0–10 where 9 or 10 are Promoters, 7 or 8 are Passives and 0–6 are Detractors. The score equates to the percentage of promoters less the percentage of detractors. Our customer rNPS target relates to each market’s NPS performance versus their respective peers.
Calculated as the number of customers at the beginning of the period minus exits during the year (net of reinstatement) over the number of customers at the beginning of the period.
The cost/income ratio is calculated as operating expenses, adjusted for commissions and share of contribution from joint ventures and associates, divided by operating income, adjusted for commission, share of contribution from joint ventures and associates and performance-related fees.
This measure represents the percentage of active funds under management at the balance sheet date that outperformed their performance benchmark over the time period stated (one or three years). Funds with no performance objective, which includes passive funds and non-discretionary portfolio, are excluded from this measure.
Total funds under management or advice including external funds under management, money market funds, funds managed on behalf of M&G plc and internal funds under management or advice.
For insurance business, free surplus is generally based on (with adjustments including recognition of certain intangibles and other assets that may be inadmissible on a regulatory basis) the excess of the regulatory basis net assets (TEV total net worth) over the TEV capital required to support the covered business. Adjustments are also made to enable free surplus to be a better measure of shareholders' resources available for distribution. For asset management and other non-insurance operations (including the Group’s central operations), free surplus is taken to be IFRS shareholders’ equity, net of goodwill attributable to shareholders, with central Group debt recorded as free surplus to the extent that it is classified as capital resources under the Group’s capital regime.
This measure of free surplus (see above) excludes intangible assets representing rights under distribution contracts and other intangibles.
Free surplus ratio is defined as the sum of Group free surplus, excluding distribution rights and other intangibles, and the TEV required capital of the life business, divided by the TEV required capital of the life business. Group free surplus, excluding distribution rights and other intangibles, consists of the free surplus of the insurance business combined with the free surplus of asset management and other non-insurance operations, as defined above and shown in the Movement in free surplus table within the TEV basis results. Group total free surplus forms part of the TEV shareholders' equity as set out in the TEV basis results.
Given the differing basis of preparation for the IFRS and TEV results, individual TEV and IFRS line items are not directly comparable.
‘Group operating free surplus generated from insurance and asset management business’ net of investment in new business, less central costs, eliminations and restructuring costs, net of tax.
Group TEV equity, excluding goodwill attributable to equity holders.
Shareholders' equity prepared in accordance with the TEV methodology.
Group TEV equity per share is calculated as Group TEV equity divided by the number of issued shares at the end of the period. See TEV basis results for calculation.
Group TEV per share is calculated as Group TEV divided by the number of issued shares at the end of the period.
Represents all assets managed or administered by or on behalf of the Group, including those assets managed by third parties. Assets under management include managed assets that are included within the Group’s statement of financial position and those assets belonging to external clients outside the Prudential Group, which are therefore not included in the Group’s statement of financial position.
Leverage measure calculated as the Group gross debt, including commercial paper, as a proportion of the sum of IFRS shareholders’ equity, 50 per cent of the surplus in the Group’s with-profit funds, 50 per cent of the CSM and the Group's gross debt including commercial paper.
Operating free surplus is the financial metric the Group uses to measure the internal cash generation of our business operations and is generally based on (with adjustments) the capital regimes that apply locally in the various jurisdictions in which the Group operates. Operating free surplus generated from in-force insurance business represents amounts emerging from the in-force business during the year before deducting amounts reinvested in writing new business and excludes restructuring costs and non-operating items. For asset management businesses, it equates to post-tax IFRS adjusted operating profit for the period. Central costs are excluded from this amount.
Equates to 'Group operating free surplus generated from in-force insurance and asset management business' net of investment in new business for the life business.
Estimated GWS capital resources in excess of the GPCR before allowing for the 2025 second interim dividend. GWS capital surplus is determined on a shareholder basis and a total Group basis.
New business profit from health products (see definition below).
Health products comprise health and personal accident insurance products, which provide morbidity or sickness benefits and include health, disability, critical illness and accident coverage. These typically are annually renewable and would involve diagnosis and treatment from licensed physicians/medical facilities. Critical illness products paying lump sum benefits are not in scope.
IFRS shareholders’ equity per share is calculated as closing IFRS shareholders’ equity divided by the number of issued shares at the end of the period.
Represents the sum of APE sales plus renewal insurance premiums, which represents premiums paid on regular premium products, subsequent to the first-year premium.
Net cash amounts remitted by businesses are included in the holding company cash flow. This comprises dividends and other transfers from businesses, net of capital injections, that are reflective of earnings and capital generation.
A state in which greenhouse gas emissions from activities in the value chain of an organisation are reduced as close to zero as possible, with any residual emissions balanced by removals from the atmosphere, in a time frame consistent with the Paris Agreement. Our ambition is that the assets we hold on behalf of our insurance companies will be net zero by 2050.
Presented on a post-tax basis, on business sold in the year, calculated in accordance with Group TEV methodology.
New business profit divided by APE sales over the same period.
New business profit divided by PVNBP sales over the same period.
Average monthly 'agency new business profit' divided by the 'average monthly active agents' for the relevant period. Includes 100 per cent of new business profit and active agents in joint ventures and associates.
The number of customers who hold at least one insurance policy of any type (including either Individual or Group policies as Life Assured) sold by our strategic bank partners (excluding partners of joint ventures and associates and our strategic partner in Cambodia and Laos) at the end of the measurement period, but do not hold any insurance policies sold by our relevant strategic bank partners at the beginning of the measurement period. The measurement period is the current period of the report.
Calculated as TEV operating profit net of non-controlling interests divided by the opening Group TEV excluding intangibles.
Calculated as adjusted operating profit, net of tax and non-controlling interests, divided by the average IFRS shareholders’ equity.
Calculated as the aggregate of single premiums and the present value of expected future premiums from regular premium new business, allowing for lapses and the other assumptions made in determining the TEV new business profit.
The number of new business application submissions subject to automatic and real-time assessment of underwriting decisions based upon set rules, providing policy underwriting decision without manual intervention, divided by the total number of new business application submissions for the reporting period.
Estimated ratio of capital resources (as measured under the GWS framework) over GPCR attributable to the shareholder business, before allowing for the 2025 second interim dividend.
TEV operating profit is profit after tax calculated under the Group's TEV methodology, excluding short-term fluctuations caused by changes in interest rates and other market movements, the effect of changes in economic assumptions and the impact of corporate transactions, if any, undertaken in the period. It also excludes the mark-to-market value movements on core structural borrowings for shareholder-financed operations.
Tier 1 capital in accordance with the classification of tiering capital under the GWS Framework, which reflects the different local regulatory regimes along with guidance issued by the Hong Kong IA. This is considered to be the highest quality capital.
Tier 2 capital in accordance with the classification of tiering capital under the GWS Framework, which reflects the different local regulatory regimes along with guidance issued by the Hong Kong IA. This tends to be additional capital, such as subordinated debt, that can absorb losses but is less secure than Tier 1.
Estimated ratio of capital resources (as measured under the GWS framework) over GPCR attributable to both the shareholder and policyholder business, before allowing for the 2024 second interim dividend.
Financial results that are prepared on a supplementary basis to the Group’s IFRS results and are a way of measuring the current value to shareholders of the future profits from life business written based on a set of assumptions.
Reflects a portfolio’s exposure to carbon-intensive companies, expressed in tCO2e/$m revenue. The WACI is currently the market standard for measuring the carbon footprint of an investment portfolio, as described by global disclosure frameworks.
Actual exchange rates (AER)
Actual historical exchange rates for the specific accounting period, being the average rates over the year for the income statement and the closing rates at the balance sheet date for the statement of financial position.
Alternative performance measures (APMs)
APMs are non-GAAP measures used by the Prudential Group within its annual reports to supplement disclosures prepared in accordance with widely accepted guideline and principles established by accounting standard setters, such as International Financial Reporting Standards. These measures provide useful information to enhance the understanding of the Group’s financial performance.
American Depositary Receipts (ADRs)
The stocks of most foreign companies that trade in the US markets are traded as American Depositary Receipts (ADRs). US depositary banks issue these stocks. Each ADR represents one or more shares of foreign stock or a fraction of a share. The price of an ADR corresponds to the price of the foreign stock in its home market, adjusted to the ratio of the ADRs to foreign company shares. Prudential’s ADRs are backed by existing ordinary shares, which are held in custody, and therefore do not constitute additional share capital. Each Prudential's ADR represents two Prudential's ordinary shares.
Association of Southeast Asian Nations (ASEAN) markets
ASEAN markets include Prudential’s businesses in Indonesia, Malaysia, Singapore, Thailand, Vietnam, the Philippines, Cambodia, Laos and Myanmar.
Asset share
The accumulated value of premiums paid by a policyholder, adjusted for investment returns, expenses, charges, and any bonuses or benefits allocated over time. Asset share represents the notional amount attributed to a policy within a participating or with-profits fund and is often used to determine payouts such as surrender values or maturity benefits.
Assets under management
Assets under management represent all assets managed or administered by or on behalf of the Group, including those assets managed by third parties. Assets under management include managed assets that are included within the Group’s statement of financial position and those assets belonging to external clients outside the Prudential Group, which are therefore not included in the Group’s statement of financial position.
These are also referred to as ‘funds under management’.
Bancassurance
An agreement with a bank to offer insurance and investment products to the bank’s customers.
Best estimate assumptions
Best estimate assumptions are assumptions that represent the expected mean outcome across a range of future possible outcomes. Such assumptions may be used for mortality, morbidity, persistency, expenses, and other relevant non-economic factors to project future cash flows.
Best estimate liabilities (BEL)
The expected present value of future cash flows for a company’s current insurance obligations, calculated using best estimate assumptions, projected over the contract’s run-off period, taking into account all up-to-date financial market and actuarial information.
Bonuses
Bonuses refer to the additional amounts added to participating life insurance policies, over and above guaranteed benefits, and are the way in which policyholders receive their share of the investment returns and profits associated with the policies. These include regular bonus and final bonus, and the rates may vary from period to period.
China Risk-Oriented Solvency System (C-ROSS)
A regulatory framework that governs the insurance industry in China effective from 1 March 2021. The second phase of the C-ROSS (or C-ROSS II) became effective in the first quarter of 2022.
Collective investment schemes (CIS)
A CIS is an investment fund where money from many investors is pooled together and managed by a professional fund manager. The fund invests in a range of assets, such as stocks, bonds, or property, and each investor owns a share of the overall fund. This allows individual investors to diversify their investments.
Constant exchange rates (CER)
Prudential plc reports its results at both AER to reflect actual results and also CER to eliminate the impact from exchange translation. CER results are calculated by translating prior year results using current year foreign currency exchange rates, ie current period average rates for the income statements and current period closing rate for the statement of financial position.
Contract boundary
The boundary of the fulfilment cash flows under IFRS 17 is considered to be the point at which the Group both no longer has substantive rights and obligations under the insurance contract to provide services or compel the policyholder to pay premiums.
Contractual service margin (CSM)
A liability for insurance contracts under IFRS 17 representing the deferral of any day-one gains arising on initial recognition. Over time, the CSM balance is released into profit in the income statement as services are delivered by the Group under the insurance contracts.
Core structural borrowings
Borrowings which Prudential considers forming part of its core capital structure and excludes operational borrowings.
Coverage unit
The proportion of CSM recognised in profit or loss under IFRS 17 at the end of each period for a group of contracts is determined as the ratio of the coverage units in the period divided by the sum of the coverage units in the period and the present value of expected coverage units in future periods. The total number of coverage units in a group is the quantity of service provided determined by considering the quantity of benefits for each contract and its expected coverage period.
Credit risk
The risk of loss if another party fails to meet its obligations or fails to do so in a timely fashion.
Currency risk
The risk that asset or liability values, cash flows, income or expenses will be affected by changes in exchange rates. Also referred to as foreign exchange risk.
Discretionary participation features (DPF)
These represent a contractual right to receive, as a supplement to guaranteed benefits, additional benefits that are likely to be a significant portion of the total contractual benefits. The amount or timing of the benefits is contractually at the discretion of the issuer and the benefits are contractually based on asset, fund, company or other entity performance.
Endowment product
A type of individual life insurance policy that combines protection and savings. It provides a lump-sum benefit payable either on the policyholder’s death during the term or at the end of a specified period (maturity), whichever occurs first.
Fulfilment cash flows
Fulfilment cash flows under IFRS 17 comprise the best estimate of the present value of the expected future cash flows within the contract boundary that are expected to arise, together with an explicit risk adjustment for non-financial risk. These cash flows represent the amounts an entity expects to pay or receive to fulfil its obligations to policyholders under IFRS 17.
Funds under management
See ‘assets under management’ above.
Group-wide Supervision (GWS) Framework
Regulatory framework developed by the Hong Kong Insurance Authority (see below) for multinational insurance groups under its supervision. The GWS Framework is based on a principle-based and outcome-focused approach and allows the Hong Kong Insurance Authority to exercise direct regulatory powers over the designated holding companies of multinational insurance groups. The GWS framework sets out a measure of capital for the Group as a whole, by aggregating the capital measures of individual insurance businesses and other regulated businesses, as well as the capital resources held by Group holding companies.
Group Prescribed Capital Requirement (GPCR) / Group Minimum Capital Requirement (GMCR)
The minimum amounts of capital (money or assets) that Prudential must hold, as set by regulators, to ensure it can meet its obligations to policyholders and remain financially healthy. GPCR is the higher, more conservative requirement. GMCR is the absolute minimum.
Hong Kong Insurance Authority (IA)
The Hong Kong IA is an insurance regulatory body responsible for the regulation and supervision of the Hong Kong insurance industry and is the lead regulator of the Prudential plc Group.
Illiquidity premium
The illiquidity premium is the additional yield added to risk‑free rates to reflect the fact that long-term insurance contract liabilities are relatively illiquid, and therefore insurers can invest in less liquid, higher‑yielding assets (typically corporate bonds) to back them. This is calculated as the yield-to-maturity on a reference portfolio of assets less the risk-free curve and an allowance for credit risk.
In-force
An insurance policy or contract reflected on records that has not expired, matured or otherwise been surrendered or terminated.
International Association of Insurance Supervisors (IAIS)
The IAIS is a voluntary membership organisation of insurance supervisors and regulators. It is the international standard-setting body responsible for developing and assisting in the implementation of principles, standards and other supporting material for the supervision of the insurance sector.
International Financial Reporting Standards (IFRS Standards)
Accounting standards and practices that are developed and issued by the IFRS Foundation and the International Accounting Standards Board (IASB).
Investment grade
Investments rated BBB- or above for S&P and Baa3 or above for Moody’s. Generally, they are bonds that are judged by the rating agency as having a strong capacity to meet financial commitments.
Investment-linked products or contracts
Insurance products where the surrender value of the policy is linked to the value of underlying investments (such as collective investment schemes, internal investment pools or other property) or fluctuations in the value of underlying investment or indices. Investment risk associated with the product is usually borne by the policyholder. Insurance coverage, investment and administration services are provided for which the charges are deducted from the investment fund assets. Benefits payable will depend on the price of the units prevailing at the time of surrender, death or the maturity of the product, subject to surrender charges. These are also referred to as unit-linked products or unit-linked contracts.
Key performance indicators (KPIs)
These are financial and non-financial metrics by which the development, performance or position of the business can be measured effectively. The Group regularly reviews its KPIs and updates them where appropriate.
Lapse rate
A lapse rate measures the percentage of policies that stop being active, usually due to the failure of the policyholder to pay the required premium after the grace period.
Liquidity coverage ratio (LCR)
Prudential calculates this as assets and resources available to us that are readily convertible to cash to cover corporate obligations in a prescribed stress scenario. We calculate this ratio over a range of time horizons extending to 12 months.
Million Dollar Round Table (MDRT)
MDRT is a global, independent association of life insurance and financial services professionals that recognises professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognised internationally as the standard of excellence in the life insurance and financial services business.
Money Market Fund (MMF)
An MMF is a type of ‘collective investment scheme’ that has relatively low risks compared to other such funds and most other investments and historically has had lower returns. MMF invests in high-quality, short-term debt securities and pay dividends that generally reflect short-term interest rates. The purpose of an MMF is to provide investors with a safe place to store cash or as an alternative to investing in the stock market.
Morbidity rate
The proportion of individuals in a given population who experience sickness or disability during a specified period, often varying by such parameters as age, gender and health. It is used in pricing and computing liabilities for obligations to policyholders of health products, which contain morbidity risks.
Mortality rate
The proportion of individuals in a given population who die during a specified period, often varying by such parameters as age, gender and health. It is used in pricing and computing liabilities for obligations to policyholders of life and annuity products, which contain mortality risks.
Negative reserves
When the calculated value of future insurance obligations is less than zero (ie future premiums receipts are expected to exceed future claim payments). Regulators may not allow these to be counted as assets in full for local solvency reporting.
Net worth
Net assets for TEV reporting purposes that reflect the regulatory basis position, with adjustments where necessary to achieve consistency with the IFRS treatment of certain items or to better reflect the assets that are available to be transferred to the shareholder.
Non-participating business
A life insurance policy where the policyholder is not entitled to a share of the company’s profits and surplus, but receives certain guaranteed benefits. Examples include pure risk policies (eg fixed annuities, term insurance, critical illness) and unit-linked insurance contracts.
Onerous contracts
Under IFRS 17, an insurance contract is onerous at the date of initial recognition if the fulfilment cash flows allocated to the contract, including any previously recognised acquisition or other day one cash flows, in total are a net outflow. Classification as onerous does not necessarily mean the contract is not profitable overall as it does not allow for all real-world investment returns that will be earned over time.
A contract can also become onerous later if, after initial recognition, its CSM is reduced to zero and updated assumptions or experience cause the future fulfilment cash flows to become a net outflow.
Operational borrowings
Borrowings that arise in the normal course of the business, including all lease liabilities under IFRS 16.
Own Risk and Solvency Assessment (ORSA)
A regular, company-wide self-assessment where Prudential reviews all its risks and checks if it has enough capital to stay solvent (able to pay its debts and policyholders), even in tough times. It is a regulatory requirement which assists insurers in evaluating all reasonably foreseeable risks that could affect their ability to meet obligations to policyholders.
Participating funds
Distinct portfolios where the policyholders have a contractual right to receive, at the discretion of the insurer, additional benefits based on factors such as the performance of a pool of assets held within the fund, as a supplement to any guaranteed benefits. The insurer may either have discretion as to the timing of the allocation of those benefits to participating policyholders or may have discretion as to the timing and the amount of the additional benefits.
Participating policies, contracts or business
Contracts of insurance where the policyholders have a contractual right to receive, at the discretion of the insurer, additional benefits based on factors such as investment performance, as a supplement to any guaranteed benefits.
Passive basis (or passive economic basis)
Passive economic assumptions are used for TEV. The underlying risk-free rates and fund earned rates are set with reference to a long-term view of the investment outlook.
Persistency
A measure of the policies remaining in force from period to period.
Regular premium product
A life insurance product with regular periodic premium payments.
Renewal or recurring premiums
Renewal or recurring premiums are the subsequent premiums that are paid on regular premium products.
Rider
A supplemental plan that can be attached to a basic insurance policy, typically with payment of additional premiums.
Risk adjustment
The risk adjustment for non-financial risk under IFRS 17 reflects the compensation the Group requires for bearing the uncertainty about the amount and timing of the cash flows from non-financial risk as the Group fulfils insurance contracts. The risk adjustment is a component of the insurance contract liability, and it is released as profit if experience plays out as expected.
Risk-based capital (RBC) framework
A capital adequacy approach used by insurers and regulators that determines the minimum amount of capital an insurer must hold based on the size and nature of its risks. The framework assesses exposure across key risk categories – such as underwriting, market, credit, and operational risk – and applies risk-sensitive factors to calculate required capital. Its purpose is to ensure that insurers maintain sufficient financial resources to absorb potential losses and protect policyholders, while promoting sound risk management and solvency oversight.
Scrip Dividend
A dividend paid to shareholders in the form of new shares, rather than cash. Shareholders can, if the option is available, choose to receive extra shares instead of a cash payout.
Single premiums
Single premium policies of insurance are those that require only a single lump sum payment from the policyholder.
Stochastic modelling techniques
Methods that use repeated simulations with random variations in key inputs to estimate a range of possible future outcomes. These techniques help assess uncertainty and risk by showing how financial results might change under different scenarios, rather than relying on a single forecast.
Subordinated debt
A fixed interest issue or debt that ranks below other debt in order of priority for repayment if the issuer is liquidated. Holders are compensated for the added risk through higher rates of interest.
Surrender
The termination of a life insurance policy or annuity contract at the request of the policyholder.
Surrender charge
The fee charged to a policyholder when a life insurance policy or annuity contract is surrendered for its surrender value prior to the end of the surrender charge period.
Surrender value
The cash received, if any, by the policyholder upon termination of a life insurance policy or annuity contract at the request of the policyholder.
Total shareholder return (TSR)
TSR is the total return to shareholders over a period, expressed as a percentage and provides a measure of overall value creation.
It comprises the growth in the value of a share plus the value of dividends paid, assuming that the dividends are reinvested in the Company’s shares on the ex‑dividend date.
Unit-linked products or unit-linked contracts
See ‘investment-linked products or contracts’ above.
Universal life
An insurance product where the customer pays flexible premiums, subject to specified limits, which are accumulated in an account and are credited with interest (at a rate either set by the insurer or reflecting returns on a pool of matching assets). The customer may vary the death benefit and the contract may permit the customer to withdraw the account balance, typically subject to a surrender charge.
Value of in-force business (VIF)
The present value of future net shareholder cash flows projected to arise from the assets and liabilities of in-force life insurance contracts.
Whole life contracts
A type of life insurance policy 'that provides lifetime protection' commonly used for estate planning purposes. Premiums must usually be paid for life and the sum assured is paid out whenever death occurs.
With-profits contracts or with-profits funds
For Prudential, the most significant with-profits contracts are written in separate funds within Hong Kong, Malaysia and Singapore.
See also ‘participating policies, contracts or business’ and ‘participating funds’ above.
Yield curve
A line graph that shows the relative yields on debt over a range of maturities typically from three months to 30 years. Investors, analysts and economists use yield curves to evaluate bond markets and interest rate expectations.
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Contact details for M&G and Prudential UK customers and policyholders
For M&G and Prudential UK customers and policyholders:
In October 2019, Prudential plc separated its UK operations and, as a result of this separation, Prudential UK is now owned by M&G plc. The M&G plc group is a separate, independent group and as such we are not able to help any M&G or Prudential UK customers or policyholders.
Therefore, to find the best way to make contact, please visit www.pru.co.uk/contact-us
For further information on the M&G plc group, please visit the M&G website: www.mandg.com
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