NEW : Prudential is considering changing how it allocates death benefits to surviving military family members . NEW : Insurance Information Institute says the industry 's doing nothing wrong . Comment: Cuomo : `` Prudential beneficiaries are also not informed that , under a 2008 law , they have one year to place the death benefits in a Roth IRA and earn tax-free investment gains for the rest of their lives . Families ' payouts are placed in accounts ; most of the interest goes to insurers .
NEW : Prudential is considering changing how it allocates death benefits to surviving military family members . NEW : Insurance Information Institute says the industry 's doing nothing wrong . Comment: Cuomo : Families ' payouts are placed in accounts ; most of the interest goes to insurers .