Prudential Financial, Inc. (Prudential Financial) is a financial services company. The Company has operations in the United States, Asia, Europe and Latin America. Through its subsidiaries, it offers products and services, including life insurance, annuities, retirement-related services, mutual funds, investment management, and real estate services. It offers these products and services to individual and institutional customers through third party distribution networks. It has two businesses: Financial Services Businesses and the Closed Block Business. The Financial Services Businesses comprises the United States Retirement Solutions and Investment Management division, United States Individual Life and Group Insurance division, and International Insurance and Investments division, as well as its Corporate and other operations. The Closed Block Business comprises the assets and related liabilities of the Closed Block and certain other assets and liabilities, including the IHC debt.