Comments on: Philippine Prudential Life Scammers!!!: Explained http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/ Food that is Pinoy and pleasant can be found here Mon, 13 Feb 2012 06:23:56 +0000 hourly 1 http://wordpress.org/?v= By: myles http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10577 myles Sun, 12 Feb 2012 11:43:48 +0000 http://arpeelazaro.com/?p=584#comment-10577 I can't say am a victim of PPLIC but I was once asked to have a 45-minute session with one of their agents named Francis. I like the program but what I didn't like was that they asked you to write on a blank paper your beneficiaries and your signature. I said am impressed with the program and Francis asked my credit card saying that they will check if the credit card company will allow me to transfer fund on their bank...I was sure that time that they can't get any because I already used almost all my limits...When that 6,800 was declined they asked me to sign another authorization letter that they will deduct 3,000+ from my credit card, saying there's no hard in trying and during that time, I got aware of what was happening... They may say it is not a scam because they don't force you to give them your credit card, but am not so sure if I've been hypnotized or not...lesson that I got from this experience was that don't be attracted to whatever free gift they will offer and to the car that they want you to win! I can’t say am a victim of PPLIC but I was once asked to have a 45-minute session with one of their agents named Francis. I like the program but what I didn’t like was that they asked you to write on a blank paper your beneficiaries and your signature. I said am impressed with the program and Francis asked my credit card saying that they will check if the credit card company will allow me to transfer fund on their bank…I was sure that time that they can’t get any because I already used almost all my limits…When that 6,800 was declined they asked me to sign another authorization letter that they will deduct 3,000+ from my credit card, saying there’s no hard in trying and during that time, I got aware of what was happening… They may say it is not a scam because they don’t force you to give them your credit card, but am not so sure if I’ve been hypnotized or not…lesson that I got from this experience was that don’t be attracted to whatever free gift they will offer and to the car that they want you to win!

]]> By: Cath http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10566 Cath Sat, 11 Feb 2012 20:44:46 +0000 http://arpeelazaro.com/?p=584#comment-10566 @nette- Arpee is right the issue is not about insurance. I hope you did read the whole trail and not just a part of it. Insurance is good, it's beneficial we can't argue with that, i don't think so there is a single person in this world who will cry and be miserable after knowing he/she is insured. But when you wake up and realized that you are being deceived there you will feel MISERABLE! Yes maybe they do not forced us, but their marketing strategy is deceitful. Their intention was for you to buy their plan but why can't they say it directly? Why do they have to lure us with different prizes and freebies? even they, they know that their intention was NOT TO HELP but to gain a customer for them to have their commission. If we help provided we are sincere we will have the right intention and there should be no TIMELINE, there should be no "once in a life time" nor "this is only for today". No one is "tanga" but of course many were fooled because the thought of insurance was not at the back of our minds, we are yet to build our defenses, we were not prepared and after being presented with all the benefits we can't help but admire it PLUS the dreaded timeline "TODAY", "this is only once in a lifetime"--that is a big DECEPTION! because of that many were convinced to say "YES" Who are they to say that there is no other time or no other day to invest for our insurance? If their intention is sincere then why are they instilling such thoughts to us? They are putting this precious stone at your right hand and a sand clock at your left hand shouting to grab the stone while there is time because it will only take you this certain amount... they keep on reducing the amount until it is affordable to us,why? because they are not really after us, being insured, they are after our money! Any amount we provided to them, they sure would have a commission--they are NOT A FRIEND who is there to help us secured, they are AGENTS who are there to work, to EARN and to have their COMMISSION! If we talk about future, security and insurance wouldn't it be better to start it with a concrete plan? to start it with days of planning and researching on what's the best thing to do? and not just by having anyone grab you while you are not on your mind and then starting to feed you with all those exaggerated things? (I say exaggerated because not everything were facts and not all facts were said..selected details were provided for the customers to be lured) Never say we should be thankful for those agents because they do not think of our future, they only thought of their PRESENT and their quota that they need to meet. No one is really concern with our future other than ourselves and those people dear to us. Who would enjoy saving for their future but starving/suffering at the present? Some of those people being fooled have their money intended for something else, isn't it too bad that all were already set and planned until these PPLIC agents changed everything??? Mind you--try to ask those agents if they are insured and I am pretty sure they are NOT! (maybe few but definetely not all) because the value of their money is used for the present and is not saved for the FUTURE. I could vividly remember my conversation with one of the agent asking me the amount left in my atm, i said "i have ONLY this amount" and he answered back "oh, that is already very fine, mine is 0". Even those agents do not exercise those thoughts they are instilling at us because they themselves maybe believed it but intended their money for something else just like any of us--thus they should change their deceptive marketing strategy and avoid surprising and manipulating people! @nette- Arpee is right the issue is not about insurance. I hope you did read the whole trail and not just a part of it. Insurance is good, it’s beneficial we can’t argue with that, i don’t think so there is a single person in this world who will cry and be miserable after knowing he/she is insured.
But when you wake up and realized that you are being deceived there you will feel MISERABLE!

Yes maybe they do not forced us, but their marketing strategy is deceitful. Their intention was for you to buy their plan but why can’t they say it directly? Why do they have to lure us with different prizes and freebies? even they, they know that their intention was NOT TO HELP but to gain a customer for them to have their commission. If we help provided we are sincere we will have the right intention and there should be no TIMELINE, there should be no “once in a life time” nor “this is only for today”.

No one is “tanga” but of course many were fooled because the thought of insurance was not at the back of our minds, we are yet to build our defenses, we were not prepared and after being presented with all the benefits we can’t help but admire it PLUS the dreaded timeline “TODAY”, “this is only once in a lifetime”–that is a big DECEPTION! because of that many were convinced to say “YES”

Who are they to say that there is no other time or no other day to invest for our insurance? If their intention is sincere then why are they instilling such thoughts to us? They are putting this precious stone at your right hand and a sand clock at your left hand shouting to grab the stone while there is time because it will only take you this certain amount… they keep on reducing the amount until it is affordable to us,why? because they are not really after us, being insured, they are after our money! Any amount we provided to them, they sure would have a commission–they are NOT A FRIEND who is there to help us secured, they are AGENTS who are there to work, to EARN and to have their COMMISSION!

If we talk about future, security and insurance wouldn’t it be better to start it with a concrete plan? to start it with days of planning and researching on what’s the best thing to do? and not just by having anyone grab you while you are not on your mind and then starting to feed you with all those exaggerated things? (I say exaggerated because not everything were facts and not all facts were said..selected details were provided for the customers to be lured)

Never say we should be thankful for those agents because they do not think of our future, they only thought of their PRESENT and their quota that they need to meet. No one is really concern with our future other than ourselves and those people dear to us.

Who would enjoy saving for their future but starving/suffering at the present? Some of those people being fooled have their money intended for something else, isn’t it too bad that all were already set and planned until these PPLIC agents changed everything???

Mind you–try to ask those agents if they are insured and I am pretty sure they are NOT! (maybe few but definetely not all) because the value of their money is used for the present and is not saved for the FUTURE. I could vividly remember my conversation with one of the agent asking me the amount left in my atm, i said “i have ONLY this amount” and he answered back “oh, that is already very fine, mine is 0″.

Even those agents do not exercise those thoughts they are instilling at us because they themselves maybe believed it but intended their money for something else just like any of us–thus they should change their deceptive marketing strategy and avoid surprising and manipulating people!

]]> By: Arpee http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10549 Arpee Fri, 10 Feb 2012 00:26:42 +0000 http://arpeelazaro.com/?p=584#comment-10549 @nette i don't want to speculate on how they lost their money and how they feel they've been duped because too many people saying the same thing is not exactly coincidence. I've done my part explaining the PPLIC is a legal entity and that the insurance they sell is legitimate. I also went as far as saying that I do know some people who have been happy with the product. But for you to even imply that the people complaining about losing their money is untrue, then you are attacking the very customers of PPLIC who need more explanation and breathing room. Secondly, you do not have the right to dictate how people want to save their hard-earned money. Walang tao ang basta gumagasta ng walang dahilan, kasi para sa kanila, kung ano man ang pinagkagastahan nila, karapatan nila yun. Hindi kailangan ng Pinoy ng taong magsasabi sa kanilang magtipid sila. Ganun din na hindi mo kailangang sabihan kung papano mo gagastusin ang pera mo dahil ikaw lang ang tanging nakaalam kung ano pasok ng pera at kung ano ang kailangang pagkagastusan. So the fact that you say that people should even be thankful for the insurance is unfounded. True that insurance is a good thing, but it comes in so many forms depending on how people live their lives. sometimes, sending a nephew or niece to college is a form of insurance. Marrying someone with money is a form of insurance. Nobody has the right to dictate what is the right form of insurance fit for anyone. PPLIC products are there but it is in the freedom of the people to choose ON THEIR OWN VOLITION, not because someone with better education or a gift of gab says so. Many commenters are missing point here, the original complaint is that the method of selling is deceptive. Saying that you won something or that you will get something, or that a check or credit card is the only acceptable ID, is downright thievery. THAT my friend is the original complaint. if you feel strongly about the people complaining here, then YOU ALSO BE THANKFUL that I have aired the side of the complainants, PPLIC and your side as well. PPLIC's Rod Estrera was not even as condescending as you when he made an appeal to the public and has been one with us in denouncing the deceptive marketing methods of these independent insurance vendors. @nette i don’t want to speculate on how they lost their money and how they feel they’ve been duped because too many people saying the same thing is not exactly coincidence. I’ve done my part explaining the PPLIC is a legal entity and that the insurance they sell is legitimate. I also went as far as saying that I do know some people who have been happy with the product. But for you to even imply that the people complaining about losing their money is untrue, then you are attacking the very customers of PPLIC who need more explanation and breathing room. Secondly, you do not have the right to dictate how people want to save their hard-earned money. Walang tao ang basta gumagasta ng walang dahilan, kasi para sa kanila, kung ano man ang pinagkagastahan nila, karapatan nila yun.

Hindi kailangan ng Pinoy ng taong magsasabi sa kanilang magtipid sila. Ganun din na hindi mo kailangang sabihan kung papano mo gagastusin ang pera mo dahil ikaw lang ang tanging nakaalam kung ano pasok ng pera at kung ano ang kailangang pagkagastusan. So the fact that you say that people should even be thankful for the insurance is unfounded. True that insurance is a good thing, but it comes in so many forms depending on how people live their lives. sometimes, sending a nephew or niece to college is a form of insurance. Marrying someone with money is a form of insurance. Nobody has the right to dictate what is the right form of insurance fit for anyone. PPLIC products are there but it is in the freedom of the people to choose ON THEIR OWN VOLITION, not because someone with better education or a gift of gab says so.

Many commenters are missing point here, the original complaint is that the method of selling is deceptive. Saying that you won something or that you will get something, or that a check or credit card is the only acceptable ID, is downright thievery. THAT my friend is the original complaint. if you feel strongly about the people complaining here, then YOU ALSO BE THANKFUL that I have aired the side of the complainants, PPLIC and your side as well. PPLIC’s Rod Estrera was not even as condescending as you when he made an appeal to the public and has been one with us in denouncing the deceptive marketing methods of these independent insurance vendors.

]]> By: nette http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10547 nette Thu, 09 Feb 2012 21:10:13 +0000 http://arpeelazaro.com/?p=584#comment-10547 Insurance plan is one of the best investments that someone can own..especially those who are working abroad. It is a very good way to save money for the future. For those who complains that they were forced to pay something even if they do not want, it is impossible that you were forced. There is no agent inside forcing you to go to cashier and pay, you agreed to do it that is why it was charged, the cashier even ask first the client and inform about the amount before they charge it, so it is impossible that you do not know that you paid some amount of money. It's simple, if you want the product, take it, if not, then leave their offer. They are in the mall, so it is impossible for them to fool people. They are not hiding in far places that people will not see them after buying the plan. Now, the most important thing people should think, that at the end of it, by getting the insurance plan, it will be them and their family's future that will be secured. They will even be thankful in the future that they met 1 agent in the mall and sold them that plan, not because of it, they should have not been invested something at least for their family. You see how is life now, people just keep on spending, and if there is no force from other people to let them start saving for their future, they will not start doing it, because it is already a human nature, that when it comes to investing something, it is very hard to be convinced, but if it is about shopping, right away, no need to force. We should see how big the help this insurance company is giving us to prepare the future of our families. We should understand first the whole story before we judge them, because the bottom line of this, is everything that they offer is a BIG HELP for every Filipino family, especially those parents who are working hard abroad. Ask yourself, do you have any investment so far that you can be proud of and confident to say, that whatever happens to you now, you family could still have in the future the same beautiful life that they have now? If so, be thankful. Insurance plan is one of the best investments that someone can own..especially those who are working abroad. It is a very good way to save money for the future. For those who complains that they were forced to pay something even if they do not want, it is impossible that you were forced. There is no agent inside forcing you to go to cashier and pay, you agreed to do it that is why it was charged, the cashier even ask first the client and inform about the amount before they charge it, so it is impossible that you do not know that you paid some amount of money. It’s simple, if you want the product, take it, if not, then leave their offer. They are in the mall, so it is impossible for them to fool people. They are not hiding in far places that people will not see them after buying the plan. Now, the most important thing people should think, that at the end of it, by getting the insurance plan, it will be them and their family’s future that will be secured. They will even be thankful in the future that they met 1 agent in the mall and sold them that plan, not because of it, they should have not been invested something at least for their family. You see how is life now, people just keep on spending, and if there is no force from other people to let them start saving for their future, they will not start doing it, because it is already a human nature, that when it comes to investing something, it is very hard to be convinced, but if it is about shopping, right away, no need to force. We should see how big the help this insurance company is giving us to prepare the future of our families. We should understand first the whole story before we judge them, because the bottom line of this, is everything that they offer is a BIG HELP for every Filipino family, especially those parents who are working hard abroad. Ask yourself, do you have any investment so far that you can be proud of and confident to say, that whatever happens to you now, you family could still have in the future the same beautiful life that they have now? If so, be thankful.

]]> By: sam http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10546 sam Thu, 09 Feb 2012 21:01:36 +0000 http://arpeelazaro.com/?p=584#comment-10546 go0d day!! i am also a victim of PPLIC isang taon na po ako nagbabayad pra sa montly payment ko pero noong lunes ko lng nbalitaan sa gma7 na pna pa cancel na ung insurance systym nila.. hihingi lng po sana ako ng advice kng ano ang dapat kng gawin dahil sa ngayon wla po akong magagawa dahil isa akong OFW at 2mnths pa bago ako mkauwi. d0on din ako sa sm north na biktima dumaan lng ako don tpus may agent na lumapit sakin halos pareho din sa iba ung pakulo nila at pinilit talaga ako na pumunta sa office nila dahil my chance daw ako manalo kya nahikayat nila ako, kinuha po nila skin 37000 something pra sa down payment 2700 per mnth ung byarin ko so bali nasa 50000 na mhigit ung nbyaran ko doon pra sa isang taon na panloloko.. sana mag tulungan tayo pra makuha natin ung perang pinaghirapan na pinambayad sa PPLIC. go0d day!! i am also a victim of PPLIC isang taon na po ako nagbabayad pra sa montly payment ko pero noong lunes ko lng nbalitaan sa gma7 na pna pa cancel na ung insurance systym nila.. hihingi lng po sana ako ng advice kng ano ang dapat kng gawin dahil sa ngayon wla po akong magagawa dahil isa akong OFW at 2mnths pa bago ako mkauwi. d0on din ako sa sm north na biktima dumaan lng ako don tpus may agent na lumapit sakin halos pareho din sa iba ung pakulo nila at pinilit talaga ako na pumunta sa office nila dahil my chance daw ako manalo kya nahikayat nila ako, kinuha po nila skin 37000 something pra sa down payment 2700 per mnth ung byarin ko so bali nasa 50000 na mhigit ung nbyaran ko doon pra sa isang taon na panloloko.. sana mag tulungan tayo pra makuha natin ung perang pinaghirapan na pinambayad sa PPLIC.

]]> By: barns http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10539 barns Thu, 09 Feb 2012 10:14:05 +0000 http://arpeelazaro.com/?p=584#comment-10539 OMG. eto mainit init pa. yung gf ko naman sa may SM Fairview. Namili lang sya sa supermarket ng pambaon sa work after nya magdeposit sa BDO ng niLoan nya sa SSS. This is around 12:30 - 2:30 pm. Palabas na sya ng supermarket tapos may lumapit daw sa kanyang lalake at di na nya matandaan ang nangyari. Narealize daw nya nasa Bus na lang sya on the way to work tapos may dala syang bag ng Philippine Prudential Life Insurance Company PPLIC. Di nya raw talaga matandaan kung anong nangyari at napakasakit ng ulo nya. Mula ng lapitan sya nung lalaki hanggang makasakay sya ng bus wala syang matandaan. Dami nya pinirmihan di nya alam kung ano nangyari. Kabadong kabado sya nung tinawagan nya ako kala ko narape na sya. Wala naman daw nawala sa kanya kungdi 600+. Buti na lang 600+ lang nakuha dahil di pa ata nag uupdate nun yung deposit at wala pa atang laman yung ATM kaya yun lng nakuha. Demonyo tong mga taong to. Dineposit nga sa ATM yung niLoan para di maholdap tapos hoholdapin nila ng harap harapan. kelangang kelangan pa naman yung niLoan n yun. demonyo talaga. Mukang gumagrabe na tong mga taong to at mukang may droga silang ginagamit parehas nung mga tumitira na kriminal sa MRT. Kung may lalapit sa inyo kahit saan na kung ano tatakpan nyo agad ilong nyo ng panyo. baka matulad kayo sa GF ko na di alam ang nangyari. Eto nga pala yung storya ng dinodroga sa mrt: http://www.facebook.com/photo.php?fbid=10150432690605598&set=p.10150432690605598&type=1&ref=nf OMG. eto mainit init pa. yung gf ko naman sa may SM Fairview. Namili lang sya sa supermarket ng pambaon sa work after nya magdeposit sa BDO ng niLoan nya sa SSS. This is around 12:30 – 2:30 pm. Palabas na sya ng supermarket tapos may lumapit daw sa kanyang lalake at di na nya matandaan ang nangyari. Narealize daw nya nasa Bus na lang sya on the way to work tapos may dala syang bag ng Philippine Prudential Life Insurance Company PPLIC. Di nya raw talaga matandaan kung anong nangyari at napakasakit ng ulo nya. Mula ng lapitan sya nung lalaki hanggang makasakay sya ng bus wala syang matandaan. Dami nya pinirmihan di nya alam kung ano nangyari. Kabadong kabado sya nung tinawagan nya ako kala ko narape na sya. Wala naman daw nawala sa kanya kungdi 600+. Buti na lang 600+ lang nakuha dahil di pa ata nag uupdate nun yung deposit at wala pa atang laman yung ATM kaya yun lng nakuha. Demonyo tong mga taong to. Dineposit nga sa ATM yung niLoan para di maholdap tapos hoholdapin nila ng harap harapan. kelangang kelangan pa naman yung niLoan n yun. demonyo talaga.

Mukang gumagrabe na tong mga taong to at mukang may droga silang ginagamit parehas nung mga tumitira na kriminal sa MRT. Kung may lalapit sa inyo kahit saan na kung ano tatakpan nyo agad ilong nyo ng panyo. baka matulad kayo sa GF ko na di alam ang nangyari. Eto nga pala yung storya ng dinodroga sa mrt:

http://www.facebook.com/photo.php?fbid=10150432690605598&set=p.10150432690605598&type=1&ref=nf

]]> By: Fer http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10536 Fer Thu, 09 Feb 2012 07:00:12 +0000 http://arpeelazaro.com/?p=584#comment-10536 Last night ko lang na balitaan sa GMA about sa PPLIC na may problem daw sila kaya nag alala agad ako. more than 2 years na kasi akong policy holder nila & good payer din. wala akong idea sa mga gawain nila kaya nag search ako sa mga website at nakita ko itong blog. ano po ba ang dapat kung gawin kung itoloy ko po ba ang pag bayad ko every month or stop ko na po. OFW rin ako last year uwi ako gusto ko narin sana pa cancel ang policy ko at widraw kona yong money ko pero nga sabi nila half ng na hulog mo ang ibalik nila at mahabang proceso bago ma ibalik yong pera hindi naman ako pwedeng mag stay ng matagal sa manila gawa na OFW ako kaya wala akong magawa kaya tinuloy ko na lang ang policy. malaki na po ang pera na hulog ko sa PPLIC. Last night ko lang na balitaan sa GMA about sa PPLIC na may problem daw sila kaya nag alala agad ako. more than 2 years na kasi akong policy holder nila & good payer din. wala akong idea sa mga gawain nila kaya nag search ako sa mga website at nakita ko itong blog. ano po ba ang dapat kung gawin kung itoloy ko po ba ang pag bayad ko every month or stop ko na po. OFW rin ako last year uwi ako gusto ko narin sana pa cancel ang policy ko at widraw kona yong money ko pero nga sabi nila half ng na hulog mo ang ibalik nila at mahabang proceso bago ma ibalik yong pera hindi naman ako pwedeng mag stay ng matagal sa manila gawa na OFW ako kaya wala akong magawa kaya tinuloy ko na lang ang policy. malaki na po ang pera na hulog ko sa PPLIC.

]]> By: iyah http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10534 iyah Thu, 09 Feb 2012 03:10:20 +0000 http://arpeelazaro.com/?p=584#comment-10534 Naloko din ako nyan and i thing i prove, magkaiba pala ang Prudentialife plans Inc.(PPI) at ang Philippine Prudential Life Insurance Company (PPLIC). Naloko din ako nyan and i thing i prove,
magkaiba pala ang Prudentialife plans Inc.(PPI) at ang
Philippine Prudential Life Insurance Company (PPLIC).

]]> By: Arpee http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10526 Arpee Wed, 08 Feb 2012 13:20:06 +0000 http://arpeelazaro.com/?p=584#comment-10526 @ghee the current predicament of prudential life people is EXACTLY what we want to avoid. if you still believe after the what has been said in the news about the stay order on Prudential life, then that is your decision that this blogger respects. PPLIC made a statement differentiating themselves from Prudential Life. The reality is that insurance is a hit or miss thing in this volatile economy. God help you with your Prudential Wealth Builder Plus. Even at 8.3 Billion, Prudential Life is not paying any of their clients. It is not in the interest of this blogger to see people lose their hard-earned money. However, it is still a prudent measure to think 10 times before forking out any amount of money for insurance premiums to a company already embroiled in many controversies. Be wary, dear readers. As my sister would always say, "wag mo bigyan ng paa ang pera mo." @ghee the current predicament of prudential life people is EXACTLY what we want to avoid. if you still believe after the what has been said in the news about the stay order on Prudential life, then that is your decision that this blogger respects. PPLIC made a statement differentiating themselves from Prudential Life. The reality is that insurance is a hit or miss thing in this volatile economy. God help you with your Prudential Wealth Builder Plus. Even at 8.3 Billion, Prudential Life is not paying any of their clients. It is not in the interest of this blogger to see people lose their hard-earned money. However, it is still a prudent measure to think 10 times before forking out any amount of money for insurance premiums to a company already embroiled in many controversies. Be wary, dear readers. As my sister would always say, “wag mo bigyan ng paa ang pera mo.”

]]> By: Arpee http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/comment-page-44/#comment-10525 Arpee Wed, 08 Feb 2012 13:10:24 +0000 http://arpeelazaro.com/?p=584#comment-10525 @gilles i wondered about this myself. i asked the head of PR at PPLIC and I was told that the owner of PPLIC and prudential life are good friends thus the PPLIC owner allowed his friend to use the name prudential for prudential life. not good for PPLIC as they have been suffering the stigma of Prudential Life's erroneous ways. @gilles i wondered about this myself. i asked the head of PR at PPLIC and I was told that the owner of PPLIC and prudential life are good friends thus the PPLIC owner allowed his friend to use the name prudential for prudential life. not good for PPLIC as they have been suffering the stigma of Prudential Life’s erroneous ways.

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