Prudential Insurance review: Life insurance

Around the beginning of April 2022, my mother in law was murdered by the JJ vaccine due to Acute Myocardial Infarction (well documented vax side effect) and while this situation has been very sad for all our family, we had to move on with our life.

That meant dealing with things she left behind, sorting out paperwork and all those things one has to do when a loved one passes away. While going through that, we came across a life insurance policy she purchased when she was living in Hong Kong 20 years ago with Prudential Insurance Hong Kong (sorry PRU no free link!)

So let me repeat that: 20 years ago she bought a prudential life insurance – now there are 3 beneficiaries and we want to get the money which Prudential has to pay, after premiums were paid for circa TWENTY YEARS.

First of all: when you call Prudential in HK it will take you on average 30-45 minutes on a paid international customer service helpline – thankfully we can use some online solutions otherwise this would have been really costly.

We prepared every question we could come up about her life insurance when we first talked with them, next to that when we were confident we had all the information, we proceeded to fill the PDF we found on their website with all the required information available.

That claim document was sent via UPS Express (the fastest and costliest option possible) at our expense of course and it took about 10 days for having a response that they went through the documentation.

First we were told that the claim would get paid within 2-3 weeks after receiving the docs (provided that everything was in order – pay special attention to that).

After tirelessly calling Prudential at our expense every single day for updates we managed to speak with this person Amanda Ching which at least took the responsibility of calling us and she started calling us back every day, although sometimes she would call back only after being on hold for 30 minutes (because she didn’t call when she said she would call) which we found bizarre… anyhow.

Just last week we thought everything was complete and she was waiting to hear back from the Claims Department and guess what? Turns out there are MORE requirements needed! Couldn’t she say that all at once? Of course not, because this is a delay tactic!

So, we were told that more documents were needed for our particular situation, oh yeah because Prudential is still stuck in 1950 and they normally issue a payment via a cheque! Our bank doesn’t even know what a cheque is anymore, so we have to make a SPECIAL REQUEST to be paid via bank transfer.

Now that obviously required more documents, which we have sent right away to Amanda via UPS (at our expense again)…. again calls with “No updates, waiting for the Claims Department”… you get the picture? broken record anyone?

Now back to the present.

Just yesterday Amanda called us for the daily update and guess what? No updates! But at least no more docs needed, i said that they still have one more day for showing us a screenshot of the payment before we start sharing this disgrace online. They didn’t so here goes this post plus we are amplifying it.

Today, we called again, 45 minutes on hold, then another colleague picks up the phone, his name is Ben, Amanda was on sick leave *how strange* i mean certainly possible but how convenient huh? When we were waiting news about the payment exactly today!

Now with considerable stress i extracted the following info from Ben after he checked with the mighty and powerful and secret Claims Department:

- it will take another ONE MONTH for the payment!

- apparently (my speculation) they keep all the funds on their corporate account which yields them higher interest and delay payments as much as possible, although Ben never confirmed this

- you cannot speak with the Branch Manager or Branch Director, someone with power

- you cannot speak with the Claims Department which are the minions doing the paperwork

- apparently they will still issue a cheque, then they need to void it, send to another bank account and then finally they can send us the payment internationally! that’s why it takes 1 month

Now this is total nonsense when i gave them this another idea (gosh is that my SEO powers?): just advance us the money right away from your corporate account (where they most likely have millions), deduct us a small penalty (say 100 USD) , then sort it out internally, DONE! Yet he said he will try to ask for this. I tried to speak with the Manager, Director etc to no avail.

We have no choice but to report this story and start posting on major news sites as well as Financial Ombudsman because this is NOT ACCEPTABLE anymore. It’s a painful situation, my mother in law was murdered by this [censored]ty vaccine and all we want is what’s due so we can go on with our lives.

When will justice happen?