prudential life insurance review

Compare Prudential against other top carriers

Prudential Life Insurance Review

Prudential easily made our 2019 best carrier list. Established in 1875, Prudential is one of the most established financial institutions in the country. It is consistently rated highly for its financial strength, and so policyholders can rest assured that their claims can be paid out far into the future.

Prudential Life Insurance Reveiw
  • Underwriting
  • Service
  • Products
  • Pricing


Policyholders benefit from Prudentials’ money-saving features such as Age Last Birthday and options to convert to a permanent policy.



  • Great Underwriting
  • Great Living Benefits
  • Age Last Birthday (ALB)
  • Flexible conversion options


  • Lengthy Application Delivery Process
  • Strict Financial Underwriting Guidelines
  • Doesn’t Offer Whole Life

Prudential offers 10, 15, 20, and 30 year term life insurance, with most allowing the option to convert to a permanent policy. They also offer several types of universal policies with varying flexibility and investment options.

Product Types and Names

Product Type Product Name
Term Life Term Essential, Elite, PruOne, Pru ROP
Survivorship Variable Universal Life SVUL Protector
Universal Life Universal Protector, Plus, Essential UL
Index Universal Life Founders Plus, Advantage IUL
Survivorship Universal Life SUL Protector, Survivorship Index UL
Variable Universal Life Custom Premier II, Protector

Rate Clases

Rate Classes Offered
Preferred Plus
Standard Plus
Preferred Tobacco
Standard Tobacco

Riders Offered

Children’s Term Rider
Waiver Of Premium Rider
Accidental Death Benefit Rider
Accelerated Benefit Rider
Carrier Name A.M. Best Standard & Poor’s Comdex
Prudential A+ AA- 91

Strong Financial Stability

Prudential offers comprehensive and flexible policies at competitive rates. Their underwriting process makes them an ideal carrier for those with health issues or other high-risk factors. If you suffer from any kind of pre-existing condition Prudential is the carrier for you. They have great underwriters who understand how to evaluate risk.

Prudential is one of the few carriers who rate their life insurance products on current age vs nearest age. This can mean big savings for someone who is cler to there next age vs ther current.