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Last Updated: 04/18/2025

Prudential Life Insurance

in Life Insurance from Prudential

Last Updated: 04/18/2025

Strongly recommended11 total votes

11 users recommend

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Highlights

Community Rating

Strongly recommended

Term Life Death Benefit Range

$50,000 - $10,000,000

Term Options

Term Life

Financial Strength Rating

A+(Verified 04/18/2025)

Number of Reviews

Prudential Life Insurance Review

Prudential life insurance Pros & Cons

Pros

Cons

Offers life insurance policies that don't require medical exams.
Life policy terms of up to 30 years.
Strong financial rating
Available in all 50 states.
Access to multiple life insurance policy types.

Prudential is a life insurance carrier based in Newark, NJ. The company was founded in 1875 and offers life insurance products in 50 states (and Washington, DC).

Prudential life insurance FAQ

What types of life insurance products does Prudential offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Prudential offers.

Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Prudential life insurance offers term lengths ranging from 10 to 30 years. Death benefit amounts range from $50,000 to $10,000,000.
Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
Variable Universal Life Insurance - These types of universal life insurance policies provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.
Indexed Universal Life Insurance - These types of universal life insurance policies allows policyholders to place the cash value of the life insurance policy in a fixed account or an equity index account, such as the S&P 500 or the Nasdaq 100.

What is SuperMoney's financial rating of Prudential?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Prudential an A+, which is the highest available rating we give to life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

751 Broad Street

Newark, NJ 7102

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.

+100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Prudential Life Insurance Community Reviews

Would you recommend Prudential Life Insurance to your friends?

Mazhar C.

Nov 25, 2022

May or may not recommend

My husband and I went through the process to have prudential life insurance. We were both young and decided not to sign up with them at the time due to our budget, but it was a very simple & easy process!

Okera M.

Jul 23, 2021

May or may not recommend

Prudential Life Insurance is fantastic. Anybody interested should try it.

Lacey C.

Jul 19, 2021

May or may not recommend

Florencia C.

Jul 18, 2021

May or may not recommend

Prudential carries term, universal, and variable life insurance policies that are customizable to meet individual needs. The insurance provider stands out for offering survivorship policies that insure two people under one policy. Prudential has high financial strength ratings, which indicate that it is able to meet its claims obligations. I highly recommend it.

P N.

Jun 29, 2021

May or may not recommend

The best life insurance you can get! Invest into a life insurance policy were you feel protected.

Aven W.

Jun 24, 2021

May or may not recommend

Customers can purchase term and universal life insurance plans from the company. Prudential has alternatives for you whether you need coverage to safeguard your loved ones if you die or you want a plan that can continue your business after you're gone. Prudential offers a variety of online tools and resources, including as a life insurance calculator to help you decide how much coverage you need, quizzes to help you narrow ...Show More

Adebola O.

Jun 14, 2021

May or may not recommend

I didn't know my gradma had any life insurance with Prudential life insurance until when she died and these people had to locate me to handover all the benefits to me. It was amazing!

Francisco O.

Apr 28, 2021

May or may not recommend

My spouse uses Prudential. She had convinced me severally to join. She so much believe in their system and reward structure. Paying premium has been seamless for her so far. No bogus or ambiguous wordings in the contract as everything is stated clearly. They customer representatives have been nothing short of excellent to her, anyways. I am glad she also has a good policy provider alongside mine.

Agnes S.

Apr 19, 2021

May or may not recommend

I have been a client of Prudential Life Insurance for 14 years and my parents were before that. The care and consideration we have been given throughout the years cannot be topped and we received great benefits on the life Insurance placed on my grandmother before she passed on. We suffered a total loss from a house fire, and they held our hands and helped us navigate through the entire ...Show More

Oludare D.

Oct 29, 2020

May or may not recommend

My family and I have been insured with Prudential Life Insurance for over five years now. Their policy is great and flexible, and it covers a lot of situations. They also allow me to pay my yearly premiums with the dividends that accrue. Then when my brother was diagnosed with one ailment, they helped processed our claims within seven days, which was very much appreciated. Anytime there’s an issue, they ...Show More

Dawn P.

Oct 27, 2020

May or may not recommend

My experience with Prudential was as the beneficiary of a life insurance policy I was not aware existed. Prudential tracked me down even though the policy holder and I lived in different states and paid promptly. I’d definitely recommend Prudential and give the company top marks for customer service.

Showing 11 of 11 reviews