Prudential offers term and permanent life insurance policies with living benefit riders and flexible underwriting guidelines.
Read our Prudential life insurance review below.
Updated: January 16, 2026
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Prudential fits buyers who need flexible underwriting, policy customization or access to living benefit riders. It works well for applicants managing chronic health conditions, variable income or long-term planning needs.
MoneyGeek includes Prudential among insurers that offer the best life insurance with living benefits and life insurance for people with diabetes, reflecting its underwriting flexibility and rider availability.
Prudential offers term and permanent life insurance policies designed for income replacement, estate planning and long-term financial strategies. Its lineup emphasizes adjustable premiums, conversion flexibility and early-access benefits while maintaining strong claims-paying ability.
Term life insurance provides temporary coverage with level premiums and conversion features. These policies serve families, business owners and individuals seeking predictable protection.
Focuses on affordability with level premiums and straightforward term lengths. It includes conversion options and selected riders for policyholders who want cost control without long-term commitments.
Adds expanded conversion features designed for long-range planning. The policy supports policyholders who expect changing coverage needs later in life.
Offers level premiums and optional riders that add flexibility during the policy term. It also allows access to living benefit features under qualifying conditions.
Uses annual renewable terms with premiums that reset each year. Businesses and short-term buyers often use this structure for temporary obligations.
Prudential whole life insurance focuses on final expense planning with permanent coverage. Policies include fixed premiums and a guaranteed death benefit.
Final expense insurance provides lifelong coverage designed to help pay funeral and burial costs. Premiums remain fixed, and coverage stays in force as long as payments continue.
Universal life insurance offers permanent coverage with flexible premiums and cash value potential, allowing you to adjust payments and death benefits within policy limits.
Includes flexible premiums with no-lapse guarantees when funding requirements are met. Optional riders allow you to tailor coverage for health-related needs.
Cash value growth isn't guaranteed and depends on policy performance, fees, and market conditions.
Indexed universal life insurance credits interest based on market indexes while limiting downside exposure. Cash value growth depends on index performance and policy limits.
Offers fixed and indexed crediting strategies within one policy. Built-in downside limits help reduce the impact of market declines.
Offers cash value growth through multiple indexed strategies. The policy suits long-term planners comfortable with performance-based crediting.
Covers two insured individuals under one policy and pays a death benefit after both have passed away. Policyholders often use it for estate liquidity and wealth transfer strategies tied to indexed interest crediting.
Indexed variable universal life combines index-linked crediting with variable investment options. Policyholders balance growth potential with higher risk exposure.
Has growth strategies that use buffers and floors. You can access cash values while managing downside risk.
Variable universal life insurance allows direct exposure to investment subaccounts with higher growth and risk potential.
Keeps lifetime death benefit coverage in force with required premium funding. It emphasizes stability of coverage while allowing limited exposure to investment subaccounts.
Supports higher face amounts and flexible premium designs tailored to complex planning needs. Financial professionals typically structure this policy for people seeking customization and investment-linked cash value growth.
Insures two individuals under one policy. The policy focuses on maintaining death benefit coverage while offering access to variable investment options.
Riders allow you to tailor coverage based on health and family needs.
Rider | Description |
|---|---|
Waiver of Premium | Keeps coverage active if disability prevents payments |
Accidental Death Benefit | Pays an additional benefit for qualifying accidental death |
Children’s Protection Rider | Adds term coverage for eligible dependent children |
Terminal Illness Rider | Allows early access to the death benefit after diagnosis |
Living Needs Benefit | Accelerates death benefit for qualifying medical conditions |
Rider availability varies by state. Contact Prudential or a licensed agent to confirm which riders are available in your location.
Prudential life insurance costs vary based on age, health, coverage amount, policy type and underwriting method. Term policies have lower premiums, while permanent policies cost more due to lifetime coverage and cash value features. Medical exams, tobacco use and selected riders also affect pricing.
| $100,000 | $17 | $205 |
| $250,000 | $34 | $410 |
| $500,000 | $61 | $735 |
| $750,000 | $88 | $1,060 |
| $1,000,000 | $108 | $1,301 |
| $1,500,000 | $158 | $1,904 |
| $2,000,000 | $209 | $2,518 |
| $3,000,000 | $309 | $3,723 |
Life insurance rates and availability vary by state, age, health and other factors. Rates shown are estimates based on our survey methodology and may not reflect your actual premium. This review is for informational purposes only and isn't insurance advice. Consult with licensed insurance professionals for personalized recommendations.
You can buy a Prudential life insurance policy through a licensed agent or financial professional. The process begins with selecting a policy type and coverage amount. Applicants complete a health questionnaire, and some policies require a medical exam.
Prudential also offers accelerated underwriting for eligible applicants. Once underwriting finishes, your coverage begins after premium payment.
Ongoing policy management remains available through agents and online account access.
Prudential lets beneficiaries file life insurance claims online, by phone or through an agent. Claimants submit a death certificate and policy information.
After review, Prudential pays approved claims as a lump sum or structured option based on policy terms. Claim timelines depend on documentation completeness.
Visit https://www.prudential.com/personal/life-insurance/file-a-life-insurance-claim for more information.
MoneyGeek Score | 4.1/5 | 4.7/5 | 4.5/5 | 4.7/5 | 4.6/5 |
Policy Types | Term, Final Expense (Whole), Universal, IUL, VUL, Indexed Variable Universal | Term, Whole, Universal, IUL | Term, Whole, Universal, IUL | Term, Whole, IUL | Term, Whole, Universal |
No-Exam Policies? | Yes | Yes | Yes | Yes | Yes |
NAIC Complaint Index | 10.63 | N/A | N/A | N/A | 0.08 |
J.D. Power Score | 626 (17th) | 653 (ninth) | 666 (fifth) | N/A | 685 (second) |
A.M. Best Rating | A+ | A+ | A+ | A+ | A++ |
Customer Sentiment | 18.18% positive, 81.82% negative | 82% positive, 18% negative | 77% positive, 23% negative | 95.33% positive, 4.67% negative | 90% positive, 10% negative |
Prudential has a diverse life insurance product portfolio. Strong financial ratings support its policies, while living benefits and flexible underwriting appeal to buyers with complex needs. Our Prudential life insurance review also found the insurer to be one of the best companies for people with diabetes. It also ranks among the top insurers with living benefits.
Comparing Prudential with other life insurance companies can help you evaluate coverage options and pricing.
Yes. Prudential offers no-exam life insurance for applicants who meet eligibility criteria set by the insurer.
Yes. Many Prudential term policies include conversion options without new medical underwriting.
No. Prudential sells non-participating policies, which means you shouldn't expect dividend payments. Life insurance dividends apply to participating policies.
Choosing life insurance requires balancing current coverage needs with long-term premium costs. We built this Prudential life insurance review around the three decisions that matter most when you're comparing quotes: monthly cost, how the company treats customers during claims, and whether coverage options match your family's situation.
We weighted affordability at 55%, customer experience at 30% and coverage options at 15% because flexibility matters when your income, dependents, or health status changes.
Our sample profile: 40-year-old male nonsmoker, 5'9", 160 pounds, average health rating. We adjusted age, gender, height, weight, tobacco use, and health rating to see how Prudential prices policies as circumstances shift.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
