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Prudential was founded in 1848, as the Prudential Mutual Assurance, Investment and Loan Association in London. The company grew from a small life assurance company, with a customer base limited to the well-off middle classes, to Britain's largest life company by number of policy-holders. In 1854 Prudential opened its industrial department and began to sell "penny policies" that could be afforded by poorer people.
保誠誕生于1848年。當時叫保誠共同保險、投資和貸款協會，地處倫敦。保誠從一家小小的人壽保險公司，顧客基本都是富有的中產階層，發展成為英國按保單計算的最大的人壽保險公司。1854年，保誠開設了工業部，開始銷售所謂的“便士保單”，窮人也買得起。
