Prudential With Profits

Prudential With Profits




Company ownership position

Prudential with profits funds are operated and run by Prudential Assurance Company Ltd. This is a company which is part of Prudential PLC, an organisation with around 23 million customers in the UK, US and Asia. Of the 23 million customers, 7 million customers are in the UK.


Company history

Prudential has a 165 year history – retaining its core principle of Prudence in its approach through this time period. This is reflected by its iconic company logo.

Unlike many of its peers it has resisted the urge to chop and change its name, to merge or embroil itself in complicated takeovers. This is reflected positively in the way it has managed its various with-profits investments on behalf of policyholders.


Prudential With Profit Funds

Prudential operate the largest with-profits fund in the UK, worth around £72 billion at the beginning of 2014. This embraces a series of products and plans which incorporate all Prudential pension products (both personal and corporate) which have access to with-profits; their various With-Profits Bond products; they also have all Scottish Amicable products under their with-profits fund (so if you held a Scottish Amicable policy, an endowment or pension, this will now be run by Prudential). They also run the old Equitable Life with-profits annuity policies for those that remain in these.


RWP Research Findings, Overview and Comments

In considering any company and its with-profits RYWP will look to assess a range of factors which will include: the company’s management record; its transparency of information, its financial strength; its prospects for providing future returns and the nature of its with-profits approach.

In this regard we believe that Prudential is the number one with-profits company in the UK today. This is true in terms of size but we also believe it is true in terms of its approach to managing its with-profits investments for its policyholders.

  • In comparative surveys Prudential’s historic performance tends to be well above average.
  • Its financial strength is strong as measured and assessed by the major rating agencies.
  • It provides clear information for policyholders.
  • It is easy to deal with.
  • Prudential runs a series of with-profits plans and products which make up the overall with-profits ‘book’ managed by Prudential, these are generally easy to assess.


Prudential With Profits


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Please remember that any of our ‘traffic light’ ratings or conclusions are general; an appraisal of the general position for that company. There will however be situations where an individual policyholder with a company that has a ‘green light’ may want to look at surrendering or transferring their policy (for example to secure a guarantee or because it does not suit their risk position), likewise there will be situations where policyholders with a ‘red’ company want to stick with what they have (for example because the penalty of exiting will be too great). Nothing can replace getting a report based on your unique circumstances; it is only this unique, personalised report which will provide the information that will instruct you on your circumstances regardless of the company and our rating.

Please note the information on these pages should not be used in any way or form as the basis for any decision about your with-profits investment or plan. RWP makes every attempt to ensure that all information is up to date and accurate but RWP cannot be held responsible for any of the detail provided. The information above is published to act as a broad guide to the Company’s position, history and future prospects. However any decision about your own with-profit plan should only be taken after you have sought and received qualified advice from an appropriate regulated advisory source and should be based entirely on that advice.


For information on how Prudential approach the management of their with-profits, including their current asset allocation mix and customer friendly documents on each product type please click here:


For the latest with-profits bonus information please click here:

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