Prudential Guarantee and Assurance: licence, claims and complaints
Prudential Guarantee and Assurance Inc. is a non-life insurance company.
Licensed. Certificate of Authority no. 2025/64-R.IC non-life insurer list dated Aug 31, 2026. Its 2025 gross premiums written of ₱13.9 billion rank 2nd of the 54 companies in the IC's non-life premium table. That is 9.3% of the ₱149.1 billion written by all non-life and composite insurers in 2025 (₱13.9 billion ÷ ₱149.1 billion, IC non-life premium table). 678 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 11th most of the 53 companies licensed to sell non-life insurance.
Filing a claim with Prudential Guarantee and Assurance
- Claim refused: you can file it with the IC instead of a court when it is ₱5,000,000 or less per claim (the limit since the 2013 amendment of the Insurance Code), not counting interest, costs and lawyer's fees. Either side can appeal to the Court of Appeals within 30 days.Insurance Code sec. 439
- If Prudential Guarantee and Assurance becomes insolvent: the IC's Security Fund pays allowed claims left unpaid, up to ₱20,000 per claim under the Insurance Code as amended in 2013.Insurance Code sec. 378
Complaints
- Write to Prudential Guarantee and Assurance first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 678 |
|---|---|
| Agents with a non-life licence | 678 |
| General agents | 1 |
Company details
- Licensed company
- Prudential Guarantee and Assurance Inc.
- Certificate of Authority
- 2025/64-R
- Head office
- Coyiuto House, 119 C. Palanca Street, Legaspi Village, Makati City
- Licensed for: non-life insurance such as motor, property, fire, travel and surety bonds.
- Not licensed for: life insurance and VUL. Those come from the life list.
How tax applies to the policy
- Documentary stamp tax: fire, marine and other property insurance policies carry DST of ₱0.50 on each ₱4 of premium charged. See documentary stamp tax calculator.NIRC Sec. 184, in force since Jan 1, 1998
- Worked example: a fire insurance policy with a ₱10,000 premium. DST = ₱10,000 ÷ ₱4 = 2,500 units × ₱0.50 = ₱1,250 (Sec. 184).
Before you sign or pay
- Match the company and number. Your policy should name Prudential Guarantee and Assurance Inc. and the licence number shown at the top of this page.
- Check the agent. Search their name in the agent check; the result should show Prudential Guarantee and Assurance and a licence end date that has not passed.
- Pay Prudential Guarantee and Assurance, not a person. Keep the official receipts issued in Prudential Guarantee and Assurance's name.
Questions
Is Prudential Guarantee and Assurance legit?
Yes. Prudential Guarantee and Assurance Inc. is licensed by the Insurance Commission (licence 2025/64-R). A genuine policy names Prudential Guarantee and Assurance Inc. and that number.