Changed Risks for PRUDENTIAL FINANCIAL INC (PRH)

Here are risks that changed year over year. risks from the recent filings of PRUDENTIAL FINANCIAL INC. Our algorithms work hard to highlight risks unique to this company.

Third parties (outsourcing providers, vendors and suppliers and joint venture partners) present added operational risk to our enterprise

Guarantees within certain of our products, in particular our variable annuities and to a lesser extent certain individual life and international insurance products, are market sensitive and may decrease our earnings or increase the volatility of our results of operations or financial position under US GAAP

Our ability to reprice products is limited and may not compensate for deviations from our expected insurance assumptions

We have significant liabilities for policyholders’ benefits which are subject to insurance risk Insurance risk is the risk that actual experience deviates adversely from our best estimate insurance assumptions, including mortality, morbidity, and policyholder behavior assumptions