Prudential Financial, Inc., through its subsidiaries, provides various financial products and services, including life insurance, annuities, retirement-related services, mutual funds, and investment management services in the United States, Asia, Europe, and Latin America. The company operates through three divisions: The U.S. Retirement Solutions and Investment Management, The U.S. Individual Life and Group Insurance, and The International Insurance and Investments. The U.S. Retirement Solutions and Investment Management division offers individual variable and fixed annuity products; recordkeeping, plan administration, actuarial advisory, tailored participant education and communication, trustee, and institutional and retail investments services; and guaranteed investment contracts, funding agreements, institutional and retail notes, structured settlement annuities, and group annuities. This division also provides investment management and advisory services to the public and private marketplace. The U.S. Individual Life and Group Insurance division provides individual variable life, term life, and universal life insurance products to mass middle, mass affluent, and affluent markets; and group life, long-term and short-term group disability, long-term care, and group corporate, bank, and trust-owned life insurance products to institutional clients. It also sells accidental death and dismemberment, preferred provider and indemnity dental, and other ancillary coverages, as well as provides plan administrative services. The International Insurance and Investments division provides individual life insurance, retirement, and related products in Japan, Korea, and other foreign countries; and distributes individual life insurance, fixed annuities, and certain accident and health products with fixed benefits. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.