If Prudential is an American company, they are absolutely the worst company in America!!! They are lying thieves that keep giving you the runaround. Every time we fill out a form for disbursement of an annuity and get assured that that is all we will need to fill out (going on five (5) times filling out and "correcting" forms when told all is perfect after each fill) we get sent YET ANOTHER EMAIL saying that all is not well. They're liars, they're thieves, they play games!!!! If that's what you're going for, Prudential, congratulations!! You've achieved the highest honor!!! BUNCH OF THIEVES AND LIARS!!!! STAY AWAY FROM PRUDENTIAL!!!!!! read other reviews!!!!