The worst customer service and processes to make changes or transactions on life insurance policy. I am dealing with Prudential and Thrivent for my father and Thrivent has excellent customer service, response time, and easy to access forms and account information. Prudential is a mess - they are requiring that my dad send a letter, then wait 2 weeks for a response, then follow the instructions to get the form, then wait for the form - where are the secret forms he is wanting to get? The customer service agent yelled at me like I didn't understand - of course I didn't understand the insane processes she was trying to explain. What a case for a process improvement project! I'm moving everything to Thrivent.