Discontinued — last reported Q4 '25
Individual Variable — Cash surrender value
Prudential Financial Individual Variable — Cash surrender value increased by 4.8% to $42.83B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 31.8%, from $32.50B to $42.83B. Over 3 years (FY 2022 to FY 2025), Individual Variable — Cash surrender value shows an upward trend with a 39.3% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
High surrender values relative to account balances may indicate higher potential liquidity risk during market downturns.
Detailed definition
This is the amount a policyholder is entitled to receive upon the voluntary termination of their insurance contract befo...
Peer comparison
Standard metric for life and annuity products; peers report this as part of surrender charge and liquidity analysis.
pru_segment_individual_variable_cash_surrender_valueHistorical Data
| Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $13.90B | $14.55B | $13.38B | $13.78B | $15.30B | $16.64B | $18.64B | $19.18B | $21.64B | $24.38B | $26.97B | $30.05B | $32.50B | $33.29B | $37.23B | $40.86B | $42.83B |
| QoQ Change | — | +4.7% | -8.1% | +3.0% | +11.0% | +8.8% | +12.0% | +2.9% | +12.8% | +12.6% | +10.6% | +11.4% | +8.2% | +2.4% | +11.9% | +9.8% | +4.8% |
| YoY Change | — | — | — | — | +10.0% | +14.3% | +39.3% | +39.2% | +41.5% | +46.5% | +44.7% | +56.6% | +50.2% | +36.6% | +38.0% | +36.0% | +31.8% |
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Frequently Asked Questions
- What is Prudential Financial's individual variable — cash surrender value?
- Prudential Financial (PRU) reported individual variable — cash surrender value of $42.83B in Q4 2025.
- How has Prudential Financial's individual variable — cash surrender value changed year-over-year?
- Prudential Financial's individual variable — cash surrender value increased by 31.8% year-over-year, from $32.50B to $42.83B.
- What is the long-term trend for Prudential Financial's individual variable — cash surrender value?
- Over 3 years (2022 to 2025), Prudential Financial's individual variable — cash surrender value has grown at a 39.3% compound annual growth rate (CAGR), from $57.01B to $154.21B.
- What does individual variable — cash surrender value mean?
- The amount policyholders can withdraw if they cancel their policy early.