Funds can be left in an Alliance Account by the Beneficiaries for an unlimited amount of time. Alliance Accounts offer customers the freedom to fully consider their options. Financial decisions should not be made in haste. Beneficiaries who are receiving their entire payment can take advantage of zero cost professional financial advice through the Beneficiary Financial Counseling service. Further information about BFCS is provided 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. Check clearing is provided by JPMorgan Chase Bank, N.A. and processing support is provided by First Data Payment Services (FDPS).The Federal Deposit Insurance Corporation (FDIC) does not provide insurance for Alliance Account balances. 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.