Tips for Protecting Your Account

In today’s quickly changing world of online access to information and social media sharing, it is important to realize that your personal information is an attractive target for fraudsters, hackers, phishers and others. While these threats can never be completely eliminated, you can help safeguard your sensitive, personal information by actively managing the security of your accounts using the tips below.

  1. Keep your sensitive, personal information safe offline.
    • File account statements or any documents with personal information in a safe place.
    • Keep passwords, PINs and account numbers confidential.
    • Using a cross-cut shredder, shred any papers that might contain personal information before disposing of them.

  2. Follow best practices for secure online activity.
    • Keep your computer's antivirus, firewall and spyware protections up to date.
    • Do not use unsecured, public networks to log in to accounts with sensitive information.
    • Always log out before closing your browser window.
    • Do not email sensitive, personal information (unless it is encrypted).
    • Use strong passwords (for example, a "passphrase" that uses the first letter of each word of a sentence that you create, plus a number and/or special character).
    • Use different passwords for different accounts.
    • Consider what information you post to social media carefully—don't share details about your background that could be used in a challenge question.
    • Some systems will ask if you want to register your device. This is a matter of personal preference and convenience. Not registering your device usually means that you will be asked additional authentication questions, which could be a more secure option.

  3. Beware of callers, spoof sites and "phishing" attempts.
    • Never provide personal, sensitive information to someone who phones you. You cannot verify their identity, and financial institutions will not ask for this information by phone.
    • If you receive a call from Prudential regarding your account and have any concerns about the validity of the call, hang up, call the customer service number printed on your most recent statement and ask to speak to a supervisor.
    • Don't open attachments or click on links in suspicious emails. These are often openings to install malware on your computer or to re-direct your browser to spoof sites designed to capture personal information.
    • Always use a search engine to get to a service provider's account log-in page, or cut and paste the address into your browser yourself.

  4. Secure your smart phone too!
    • Use a lockscreen with a PIN, password or swipe pattern that only you know.
    • Download apps from reputable sources only.
    • Install malware protection and keep your operating system and apps updated.
    • Back up your phone's data, and set up a "remote wipe" app that allows you to remove data from your phone in the event it's lost or stolen.

  5. If you haven't yet, consider creating an online account with Prudential Retirement® as fraudsters have been known to set up online accounts with financial services companies using personal information from actual account holders.
    • Once you register your information, make it a habit to review your account regularly for suspicious activity.
    • Check profile information and transactional activity frequently.

  6. Boost your Prudential Retirement account safeguards.
    • Make your user ID and password as unique as possible (see below for more tips).
    • Choose challenge questions based on answers only you would know. Or make up answers to the challenge questions—as long as you can remember what answer you provided.
    • Add a verbal password for extra security by calling our Participant Service Center and speaking to one of our team members.
    • Review statements and confirmations promptly. These notices are our way of letting you know that what actions have been taken on your behalf.
    • If you hear from any service provider that your personal information has been compromised, immediately update your Prudential Retirement security settings and passwords.

  7. Strengthen your user ID and password.
    You have a lot of flexibility to choose a user ID and password that no one else can guess.

    User IDs:
    • Must contain both letters and numbers
    • Must be between six and 32 characters
    • Cannot contain your Social Security number
    • Cannot contain more than three consecutive characters
    • Cannot contain spaces

    • Must contain both letters and numbers
    • Must be between eight and 20 characters
    • Are case sensitive
    • Cannot contain your Social Security number
    • Cannot contain six consecutive characters of your user ID
    • Cannot contain more than three consecutive characters
    • Cannot contain spaces

  8. Any time you see something suspicious, call Prudential to verify the information.
    • If you receive a communication that looks suspicious, or feel you may have been a victim of a fraud involving the Prudential name or logo, forward the information to Prudential's Corporate Investigations Division at or call our fraud hotline at 877-362-9232.
    • In addition, if you have been a victim of a fraud, call your local police department, the Canadian task force against telemarketing fraud at 888-495-8501 and/or the Federal Trade Commission's Consumer Help Line at 877-FTC-HELP (877-382-4357).

For any retirement specific questions, please call 877-PRU-2100 (877-778-2100) Monday - Friday from 8 a.m. to 9 p.m. ET.

Prudential values the trust you place in us. We hope these tips will empower you to navigate the digital world with confidence.