Prudential Life Insurance [2022 Review]

Prudential Life Insurance Company started using radio advertising in the 1940s. They were among the first insurance providers to do so, and their commercials became well-known.

In Newark, New Jersey, they launched the now-famous “The Rock” in 1950. Formerly known as WPGC-AM, it peaked with an audience of 800,000 listeners per month and was ranked among the top 40 radio stations nationwide.

Despite being sold in 1972, the station is still broadcasting today but is run by a different company. Concerning your life insurance, do you have any inquiries? Find out more by visiting our blog!

Family Objectives of Prudential Life Insurance

Prudential, one of the top 10 US life insurers globally and famed for its Rock of Gibraltar insignia, is a well-known brand. For people looking for life insurance, Prudential has a number of excellent attributes that are attractive.

Depending on the firm you contact, as well as your age, weight, if you smoke, etc., the price of life insurance will always vary.

There are businesses that don’t require medical exams, but the costs of the plans might be very high. Naturally, we’ll get into all of that shortly.

One of the largest financial institutions in the world, Prudential services customers from all over the globe. It’s safe to conclude that Prudential is here to stay given their over $1 trillion in assets and close to 50,000 employees.

Almost 140 years of financial leadership, representing power, stability, and knowledge. Their financial stability is unmatched, in truth!

Is Prudential a Good Life Insurance Company

History of Prudential Life Insurance

In 1875, Prudential Life Insurance was established.

Newark, New Jersey is home to the Prudential Financial Corporation. The first US company to offer life insurance at a reasonable price to people with jobs. The Prudential Friendly Society was its original name at the time. Insurance for industry fit into that niche.

John Fairfield Dryden, a senator from New Jersey who is regarded as the “founder of industrial insurance,” developed this insurance.

This helped low-income families with funeral and burial costs. The corporation adopted The Prudential Insurance Company of America as its new name in 1877. Since then, Prudential has continued to develop.

What is Prudential’s Main Business Today

Prudential has operations in Latin America, Asia, Europe, and the United States. They offer a range of goods and services, including mutual funds, annuities, life insurance, and retirement services.

The aim of Prudential is to “assist our customers in achieving financial prosperity and peace of mind.”

History of Prudential Life Insurance

You can put your trust in this business since they have a solid financial foundation, have been in business for a while, and are passionate about delivering high-caliber results for their clients, shareholders, and families.

Prudential Life Insurance Underwriting


The company is lenient with the following Prudential life insurance underwriting classifications.

My clients know that everyone’s health and lifestyle are unique, though. Depending on the person, underwriting is done. There are rules for carriers. There is no “one size fits all,” though.

*The following rule is one for which Prudential is renowned.

  • Smokeless Tobacco Use ~ Standard Plus NON-SMOKER. just in the event that you haven’t smoked in a year.
  • Medical Marijuana ~ Recommended Plus for medical marijuana! Depending on why you were given a prescription for medicinal marijuana, Prudential rates medical marijuana.
  • DUI’s ~ DUIs during the past year will result in a table rating. 2
  • Sleep Apnea ~ If the insured utilises a CPAP, Sleep Apnea is one of the few, if not the only, carriers that go Preferred on a sleep case. (Speak with your independent agent; underwriting guidelines frequently change.)
  • Anxiety/Depression Anxiety/Depression Prudential has frequently provided Recommended +.(Again, always double-check with your independent agent because plans can change and there is no such thing as life insurance that is “one size fits all.Each has a varied lifestyle and state of health.Some benefits of Prudential life insurance include:
  • Age Last Birthday rates  ~Age Last Birthday is not the closest.
  • No problem underwriting ~  No MD examinations, no issue with underwriting (paramedic exam may be required)
  • Treadmill ECG test ~  ECG on the treadmill is not always necessary! You are fortunate! Who wants to take that test, even if they are as fit as The Rock?

Review of the Rudential Life Insurance Product

A few options for term life insurance products are shown below:

Term Essential:

Prudent Term Essential life insurance is the best option for customers trying to:

  • Invest in low-cost life insurance that offers interim protection with a guarantee.
  • In the event of an untimely death, assist with replacing the income of a breadwinner.
  • In case of a premature death, pay off their mortgage.
  • Ensure the education of kids.
  • Have an estate plan in place but are unsure of the best course of action given the uncertainty surrounding the estate tax.
  • Help a business be protected.

Term Elite:

Perfect for a person seeking to:

  • Buy permanent life insurance, but haven’t made up my mind regarding the permanent product I’ll be buying.
  • Within five years, change to a permanent product.

PruLife Return of Premium (ROP)

A great option for those seeking to:

  • It provides guaranteed protection.
  • Get premiums returned at the end of the level premium period (LPP).
  • Purchase life insurance as the result of a Court Order.
  • Help replace the income of a breadwinner in the event of death.
  • Help pay off the mortgage in the event of death.
  • Help ensure children’s education.
  • Help protect a business.

You will be given a conversion choice and a benefit for your daily needs by Term Essential. Thus, you may change your insurance to one that is permanent (we will cover permanent policies below).

This is Promised.

The best part is that you won’t need to go through another medical checkup! How wonderful is that? This is real! notwithstanding any changes to your health. Yet, you won’t be turned down for a long-term policy that can last as long as you do.

Take this!

The idea that a thing is vital has additional advantage.

Living Needs Benefits will pay out a portion of the death benefit while you are still alive if you are told that you have a terminal disease.

This is a death benefit that is paid sooner.

Meaning: No long-term care, nursing facility, or health insurance benefit.

This is not intended to replace the conventional requirement for life insurance.

Universal Life Policies with Prudential

You must decide between universal life insurance and variable universal life insurance if you want Prudential’s permanent life insurance coverage. They also provide a special deal that allows you to cover two persons simultaneously with a single policy.

In addition to providing you with lifelong protection, universal life insurance policies also allow you the chance to accrue capital value tax-free! You might consider your life insurance as an even better investment in this way.

Universal and Variable Life Products are detailed below.

Universal Essential UL:

Ideal for:

  • Simplicity
  • To balance protection with steady cash value growth–not tied to the market.
  • a death benefit with guarantees. 
  • Access to policy cash values in case of unexpected expenses. 
  • To fund a trust with life insurance as part of an estate strategy

PruLife Universal Protector:

Best for customers that want to:

  • Buy a life insurance policy with a no-lapse guarantee that lasts for up to a lifetime.
  • Life insurance can be used to fund a trust as part of an estate plan.
  • Have a thorough plan for caring for a loved one with special needs.
  • Create succession planning and protect a firm.
  • They should safeguard themselves from the financial effects of a chronic sickness.

Variable Life Insurance with Prudential

Prudential provides two different kinds of variable policies. Variable life insurance gives your family the long-term security they require while simultaneously giving you the chance to accumulate monetary value.

VUL Protector:

With this product’s investing option, you can allocate your premiums to create cash value. Additional to:

  • Are looking for coverage that might last a lifetime.
  • Want the ability to be flexible and build up cash value.
  • Are willing to accept the extra risk associated with variable universal life insurance.
  • You want a No-Lapse Promise.
  • Are looking for broader benefits, such as the Living Needs BenefitSM or the optional BenefitAccess Rider’s coverage for chronic or terminal illnesses.

PruLife Custom Premier II:

  • Premium Flexibility: You have discretion over the amount and frequency of premium payments.
  • Choice of Death Benefit:You have the option of selecting a Level, Variable, or Return of Premium Death Benefit.
  • Death Benefit Guarantee: Guarantee of Death Benefit: Temporary or Limited (based on premiums paid).
  • CustomizableFurther protection advantages will cover young children, give an extra reward in the event of your accidental death, and more! (There are additional fees.)

Life Insurance Protection with Prudential​​​​​​

The goal of life insurance is to ensure that your loved ones can continue living without you.

In this manner, what you had planned for their lives in your absence is maintained.

As Americans are aware, raising a family today requires a lot of work.

When we get married and start a family, we need to plan ahead.

like the following

  • Pay off debt
  • your children’s college
  • pay off your mortgage
  • pay for final expense/burial
  • Replace your income

Make a policy investment today so that you can resume your daily activities tomorrow knowing that your family is covered for years to come with term needs!

You leave behind more than just love when you have life insurance!

Life insurance assists you in the following ways in addition to covering your family’s expenses in the event of your death:

  • Make a legacy for your children.
  • less taxes and more money to pass on

The Last “I Love You” Message Life Insurance

Prudential Life Insurance Riders

Put your own stamp on it with a Prudential extra rider.

You can add one or more of the following features to your policy for an extra fee:

If an accident caused your death, you may be eligible for the accidental death benefit.

  • Accidental Death Benefit ~ if your death is a direct result of an accident.
  • Waiver of Premium The carrier will waive your premiums if you become disabled.
  • Children’s Protection Rider ~ The Children’s Protection Rider is an extra layer of protection designed to offer your young children life insurance.

Does Prudential offer high-risk insurance Polices

Prudential is a reputable and prosperous insurance provider, thus their underwriting standards can be more lax. That is to say, unlike less established life insurance businesses, they are less concerned about taking on potentially high-risk consumers since they have enough money to support themselves.

Prudential is likely to make you an offer, however organisations like Banner Life and TransAmerica can reject you.

Prudential Life Insurance Premium Review

Every insurance company will assess you differently, as we have already indicated, and Prulife prices will vary from person to person. Let’s compare Prudential to its rivals using the example of a 40-year-old healthy individual with no health difficulties.

As you can see below, when compared to Mutual of Omaha and Lincoln Financial Group, Prudential’s premium is the least expensive.

500 000 $ 30 Year Term

Prudential Life Insurance Premier Retirement

Can I withdraw money from my Prudential retirement? is a common question from clients.

Sure, however there will be a penalty if you take your money out before you’re 59 1/2 years old.

There is a 10% fine.

If you do, this is taxed as income.

Prudential Life Insurance Contact Number

Although while PinnacleQuote can help with all of your life insurance requirements, there may be a moment when you require their direct address for information on retirement and pension plans:

  • Prudential Annuities
  • Philadelphia
  • Pennsylvania 19176 PO Box 7960

Call the Prudential Life Insurance customer care line if you have inquiries regarding your policy or need to file a claim after a death:

Phone numbers starting with the letter “V” can be reached at

  • (800) 944-8786
  • (800) 778-2255. (all other policies)

8 a.m. to 8 p.m. EST, Monday through Friday.

Help with online account access for retirement, annuities, mutual funds, and individual life insurance:

Call 800-PRU-HELP (778-4357)

Those with Disabilities as Clients:

(800) 778-8633

Prudential Life Insurance Policy Payment Online

Online prudential payment: Paying online using PRUAccess Plus. Visit their website to sign up. Payment methods include credit card, debit card, and online banking.

Make your payment by entering your policy number.

Call Prudential and ask to speak with a representative if you have any questions. Inform them that you wish to make a payment through the website’s Prudential online payment option.

Where can I locate an agent now that I’ve relocated to another state?

That is simple! Danny Ray holds a 49-state licence as an independent national agent. He is the company’s creator, owner, and unaffiliated agent.


Thus, pick Prudential if you’re seeking for a life insurance provider that has a long history dating back to 1875 and is supported by strong financials. Before making a choice, get in touch with us if you want to learn more about your other options. In order to better serve you, we have specialists on staff who are prepared to assist with any queries or worries you may have. What characteristics of Prudential Life Insurance make it a desirable option?

Where can I get the best quote for life insurance?

First of all, you don’t pay a dime to PinnacleQuote! Why is this so?

PinnacleQuote is available to assist.

Contact us right now to have your current policy reviewed.

You are probably paying 20% or perhaps more more than necessary. Until they approach us for a re-evaluation, many clients are unaware that they are overpaying for their current policy.

We at PinnacleQuote heartily endorse this. We Wish to return those funds to your pocket, where they belong. Also, we advise beginning this procedure before the anniversary of your policy.

Owner and representative of PinnacleQuote Life Insurance Experts, Danny Ray

Ask us a tonne of questions, second!

You have our support. We can assist you in connecting with the top life insurance firms in addition to Prudential life insurance. Find the most affordable insurance packages for you as well.

Third, partnering with us will enable you to make enormous time, energy, and financial savings. You are welcome to do research. So that we can address all of your questions when you call.

Keep in mind that YOU are our priority.

the carrier not.

You don’t pay us anything, so you have nothing to lose even if you have questions.

In reality, we do not charge you anything unless you decide to submit an application. We receive no payment from you. The carrier pays us directly when your policy is put into effect.

Finally, I want to be clear that preventing overpayment is our top goal. We are not interested in placing you with a policy or carrier that is not in the best interests of YOUR FAMILY!

PinnacleQuote will, above all, give you the best service possible to safeguard your family.

More importantly, feel free to contact us at PinnacleQuote (855) 380-3300 if you have any questions.

CLICK HERE for additional details on leading a healthier lifestyle.

The 2019 Prudential AM Best Rating is A+.