Beneficiaries will have proceeds paid to them in either a lump sum or in 36 equal monthly payments, according to how the insured specified that they were to be paid. If the method of payment has not been specified, the beneficiary may choose their preferred method of payment, either in a lump sum or as 36 equal monthly payments. The lump sum may be received by the beneficiary through Electronic Funds Transfer, check, or a Prudential Alliance Account. The BFCS (Beneficiary Financial Counseling Service) provides free professional financial advice for the beneficiaries. More information about the BFCS can be found by visiting this link.