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Prudential Term Life Insurance Overview

Prudential excels at offering the best coverage for many lifestyle and health situations. You can qualify for more coverage relative to your income with Prudential.

Prudential Customer Service: (800) 778-2255

Why Quotacy?

Save time and money. Let us do your comparison shopping.

More policy options

Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

Get what's right for you

Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

We're transparent

We value transparency as much as you do. Everything we know about life insurance, we'll share with you so you're making informed decisions from quote to covered.

Spend less time shopping

No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

Our focus is on you

As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $37 billion in coverage. That's a lot of happy customers.

Prudential Company Overview


Newark, NJ





Value of In Force Life Insurance

$3.7 trillion worldwide

Ranking in USA

4th largest seller of individual life insurance


49,000 worldwide


Newark, NJ





Value of In Force Life Insurance

$3.7 trillion worldwide

Ranking in USA

4th largest seller of individual life insurance


49,000 worldwide

Prudential Ratings & Awards

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A.M. Best Better Business Bureau J.D. Power Moody’s Standard & Poor’s
A+ A+ 777 A1 AA-

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

fotune logo

Prudential is ranked 1st in Insurance: Life and Health of Fortune’s 2017 list of the World’s Most Admired Companies.

To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Prudential is excellent for:

  • Active Military
  • Asthma
  • Depression & Anxiety
  • Driving Record (DUI/DWI)
  • Healthy Individuals
  • Marijuana

Prudential excels at offering the best coverage for many lifestyle and health situations. You can qualify for more coverage relative to your income with Prudential.

Prudential Comparison Quotes

Prudential Term Essential®

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Company Male Female
Age 30 Age 40 Age 50 Age 60 Age 70 Age 30 Age 40 Age 50 Age 60 Age 70

Cincinnati Life

$23.32 $33.00 $81.40 $245.52 N/A $19.80 $28.60 $65.12 $183.92 N/A


$18.99 $28.72 $69.93 $203.22 $851.76 $16.03 $24.08 $54.92 $141.38 $701.00


$23.95 $32.50 $76.10 $230.85 N/A $20.95 $29.95 $60.75 $162.05 N/A

John Hancock

$27.71 $32.11 $74.56 $208.06 N/A $25.06 $28.31 $64.51 $170.11 N/A

Lincoln Financial

$27.94 $39.03 $77.35 $203.11 $799.59 $23.50 $30.70 $58.43 $143.90 $705.59

Pacific Life

$19.10 $28.87 $70.33 $200.75 N/A $16.12 $24.18 $54.89 $142.21 N/A


$19.77 $29.39 $72.04 $203.13 N/A $16.76 $24.82 $56.09 $143.91 N/A


$19.08 $28.45 $70.30 $200.73 $790.32 $16.11 $24.16 $54.86 $142.18 $697.36


$34.56 $43.75 $89.25 $273.88 N/A $28.00 $40.25 $77.88 $187.69 N/A

Securian Financial

$22.42 $31.18 $87.12 $235.40 N/A $18.48 $26.84 $62.04 $153.12 N/A


$19.87 $31.30 $83.33 $274.74 N/A $17.05 $24.62 $60.41 $165.73 N/A


$19.09 $28.46 $70.31 $200.74 N/A $16.11 $24.17 $54.86 $142.20 N/A

United of Omaha

$23.87 $37.20 $92.67 $273.70 N/A $20.43 $31.61 $69.02 $189.42 N/A

US Life

$20.70 $32.75 $76.55 $230.45 $924.25 $17.47 $27.68 $67.43 $161.32 $699.89

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2022.

See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

Prudential Features & Benefits

What we like

  • Can be converted into a permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.*
  • Your medical exam can be done at home or work.
  • You can review your medical exam results online.
  • Policy delivered electronically.
  • You can manage your policy online.

*State exclusions apply. Read the fine print below.

What could be better

  • Credit card payments are not accepted.

Prudential Policy Details

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Term Essential®
Guaranteed level premiums? Yes
Term lengths available: 10, 15, 20, or 30*
Premiums returned at end of term? No
Riders available: Accelerated Death Benefit, Premium Waiver for Disability, Accidental Death Benefit, Child Rider
Accumulates cash value? No
Policy loans available? No
Minimum issue age: 18
Maximum issue age: 75
Minimum face amount: $100,000
Missed payment grace period: 31 days

*10-year term available for ages 18-75; 15-year term available for ages 18-70; 20-year term available for ages 18-65 (tobacco users ages 18-60); 30-year term available for ages 18-55 (tobacco users ages 18-50).

» Compare: Term life insurance quotes

Prudential Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider


This rider—also known as a Living Needs Benefit Rider—is included in your policy at no charge. It gives you access to a portion (or full amount) of your policy’s death benefit, if you are diagnosed with a terminal illness resulting in six months or less to live.

Accidental Death Benefit Rider

*Available at additional cost

Your policy’s beneficiary will receive an increased death benefit, if you die due to an accident. Rider cost varies by age and benefit amount with options ranging from $25,000 to $500,000—not to exceed policy face amount.

Child Rider

*Available at additional cost

For as little as $51.50 per year, add a child rider that covers your children under age 18. Options range from $10,000 to $100,000 in coverage per child. Ask your Quotacy agent for details.

Premium Waiver for Disability

*Available at additional cost

Prudential will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and cost varies by age.

Prudential Policy Service


  • Customer Service: (800) 778-2255
  • Fax: (215) 784-3624

Hours: Monday-Friday, 8:00 AM-6:00 PM Eastern

Payment Mailing Address

Prudential Life Insurance Company
PO Box 856138
Louisville, KY 40285

Manage your policy online

  1. Visit www.prudential.com/myaccess.
  2. Under First-time user?, click Register Now.
  3. Under Insurance and Investments, click Register Now.
  4. Have your policy number to complete the New User Enrollment Form.

What you can do online

  • Make payments.
  • Update address.
  • Update banking information.
  • Change beneficiaries.

The Fine Print

Guidelines & Exclusions

Term Conversion
  • Term Essential may be converted to any permanent life insurance policy.
  • For issue ages 59 and younger, convert your policy anytime during the term.
  • For issue ages 60-75 (60-65 for Return of Premium Term), conversion period ends on the 5th policy anniversary.
  • Partial conversions are allowed.
Policy Replacement
Quotacy is unable to sell replacement Prudential life insurance products to New York residents. This only applies to New York residents buying a new policy to replace an existing one.
Accidental Death Benefit Rider
  • Not available in Massachusetts.
  • Rider benefit will not be paid out if death is result of:
    • Suicide or attempted suicide,
    • Infirmity or disease of mind or body or treatment for it, or
    • War or act of war.
  • Not available on Return of Premium policy.
Accelerated Death Benefit Rider
  • Also known as Living Needs Benefit Rider.
  • Not available in Washington.
  • Life expectancy of six months or less (12 months or less in California).
  • When death benefit payout is accelerated, processing fee of $150 ($100 in Florida).
  • Full death benefit amount can be accelerated in all states except Connecticut, where acceleration is limited to no more than 75% of death benefit.
Child Rider
  • Newborn child covered after the 14th day post-birth.
  • Rider can be converted to a new policy up to five times the rider face amount.
  • Parent (or child) can convert rider on the policy anniversary following child’s 18th, 22nd, or 25th birthday.
  • Not available on Return of Premium policy.
Premium Waiver for Disability Rider
  • Not available on policies if insured is table rated D through H; or table B or C with a flat extra; or a temporary flat extra exceeding $25 per $1000 of face amount.
  • Once the insured has recovered, Prudential must be notified and premium payments resumed.
  • Premiums will not be waived if disability starts following the insured’s 60th birthday, except in California where premiums will be waived until age 65.
  • Not available on Return of Premium policy.

Updated: September 2022

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.