Beneficiaries can leave the money in the Alliance Account for as long as they want. One of the benefits of the Alliance Account that customers like most is the time it allows them to consider their options. Important financial decisions - even under the best circumstances - should not be made quickly. Beneficiaries who receive a lump sum payment can take advantage of no cost professional financial advice through the Beneficiary Financial Counseling service. You can find more information about BFCS on our Beneficiary Financial Counseling page.The Prudential Insurance Company of America has contracted Open Solutions Inc., located at 751 Broad Street, Newark, NJ 07102-3777 to be the Service Provider for the Prudential Alliance Account Settlement Option.f, Check clearing is provided by JPMorgan Chase Bank, N.A. and processing support is provided by First Data Payment Services (FDPS). Alliance Account balances are not insured by the Federal Deposit Insurance Corporation (FDIC). Alliance Account funds are backed by the financial strength of The Prudential Insurance Company of America and State Guaranty Associations. Open Solutions Inc., JPMorgan Chase Bank, N.A., and First Data Payment Services are not Prudential Financial companies.