Prudential Life Insurance is created by organizations such as churches to help widows, and orphans. provides insurance contracts, life planning consulting, endowment insurance, illness/medical insurance, long term care insurance. Life insurance at that time was expensive in terms of both premiums and claims, and only a handful of wealthy upper-class people were enrolled. In order to meet the urgent needs of such a society, to introduce the worker insurance that was popular at that time, and called "3 Cents A Week", that is, 3 cents a week.