Start with a Prudential Life Insurance Quote for Great Coverage Options!

Options, options and more options is what Prudential Life Insurance has to offer. Established in 1875, Prudential Life Insurance is one of the more well known companies in the life insurance market place. With a current A.M. Best rating of A+ superior, your choice in Prudential life insurance coverage is a safe and secured decision.Prudential Life Insurance Quote

Prudential Life Insurance provides both term and permanent life insurance coverage. Did we mention that Prudential Life Insurance offers options? Prudential Life Insurance currently offers 4 types of term life insurance coverage as well as an excellent permanent universal life insurance coverage option. Quotes for both term and permanent life insurance coverage are often competitive and generally rank very well when compared to other carriers.

Although Prudential Life Insurance may not always come up as the #1 company with the best rate, we do not hesitate to recommend them when high risk or unique underwriting is involved. Through experience, we have often found that Prudential will accept higher health risk classes that are often declined by other life insurance carriers.

Not only are we impressed with Prudential’s high risk underwriting ability, but they offer some great policy features with their term life insurance products. Prudential Life Insurance Company makes our Top 8 Best Term Life Insurance Companies list for term life insurance coverage.

Financial Strength: A.M. Best (A+) Excellent Rating 

 

PRUDENTIAL LIFE INSURANCE OPTIONS

Instantly compare Prudential Life Insurance rates with our online quote form!

 

Term Essentials & Term Elite (Term Life Insurance)

Term Essentials & Term Elite are Prudential Life Insurance most popular term life insurance coverage options. Both coverage options are very similar, almost identical. What separates both coverage options really boils down to cost and their respective conversion privileges. Term Essentials has the edge when it comes to overall affordable rates. Term Elite however has an attractive conversion option which is explained below.

Policy Features:

  • Guaranteed Level Death Benefit Term Life Insurance
  • Guaranteed Level Premium Term Lengths of 10, 15, 20, & 30 Years
  • Issue ages up to 75
  • Minimum Face Amount $100,000
  • Maximum Face Amount $10,000,000+

Term Essential Guaranteed Conversion Feature – Allows you to convert your term coverage to a fixed premium guaranteed universal life insurance policy without the proof of insurability or medical exam. In order to be eligible to convert, you must do so prior to age 65. Conversion cannot take place within the 1st 5 policy years unless you purchased your term policy at age 60+ in which cutoff is still age 65.

Term Elite Guaranteed Conversion Feature – Term Elite has the same conversion privileges as Term Essentials, except you can convert within the 1st 5 policy years. If you convert your policy within the first 5 years you will receive a premium credit that will be applied to your conversion policy.

Term Essentials & Term Elite Available Policy Riders:

Accidental Death Benefit Rider – This rider pays an additional death benefit if death is due to an accident.

Children’s Protection Rider – This rider provides temporary life insurance coverage for the children of the insured.

Waiver of Premium Rider – This rider waives premium payments if the insured becomes totally disabled.

 

PruTerm Worklife 65 (Term Life Insurance)

WorkLife 65 is Prudential’s most unique term life insurance coverage. This coverage was specifically designed to provide life insurance protection up to the traditional retirement age of 65. No matter what age you are at the time you purchase a WorkLife 65 policy, the premiums and death benefit are guaranteed to age 65. Another great feature that comes with WorkLife 65 is the built in waiver of premium rider. Should you become disabled or unemployed during the active policy years, Prudential will waive the premium.

Policy Features:

  • Guaranteed Level Death Benefit Term Life Insurance to age 65
  • Guaranteed Level Premium to age 65
  • Minimum Issue age 25
  • Maximum Issue age 55
  • Minimum Face Amount $100,000
  • Maximum Face Amount $3,000,000

Insured’s Waiver of Premium – This rider is built into the policy and waives premium if you become disabled or unemployed. If you become disabled premiums will be waived until age 65 or full recovery from disability. If you become unemployed, premiums will be waived for 1 year or until reemployed.

Guaranteed Conversion Feature – Allows you to convert your term coverage to fixed premium guaranteed universal life insurance policy without the proof of insurability or having to take a medical exam. In order to be eligible to convert, you must do so during the level premium period.

PruTerm WorkLife 65 Available Policy Riders:

Accidental Death Benefit Rider – This rider pays an additional death benefit if death is due to an accident.

Children’s Protection Rider – This rider provides temporary life insurance coverage for the children of the insured.

 

PruTerm Return of Premium ROP (Term Life Insurance)

PruTerm Return of Premium is term life insurance that refunds you up to 100% of paid premiums at the end of the guaranteed level term period. If you like the idea of longer duration term life insurance coverage with the option to receive 100% of your out of pocket premiums returned to you, then a PruTerm ROP policy may be the policy for you.

Policy Features:

  • Guaranteed Level Death Benefit Term Life Insurance
  • Guaranteed Level Premium Lengths of 15, 20 & 30 Years
  • Pru Life 30 Maximum Issue age 50
  • Pru Life 20 Maximum Issue age 60
  • Pru Life 15 Maximum Issue age 65
  • Minimum Face Amount $100,000
  • Maximum Face Amount $10,000,000+

Guaranteed Conversion Feature – Allows you to convert your term coverage to a fixed premium guaranteed universal life insurance policy without the proof of insurability or having to take a medical exam. In order to be eligible to convert, you must do so during the level premium period.

 

PruLife Universal Protector (Permanent Life Insurance)

If you’re looking for a permanent life insurance policy then Prudential’s PruLife Universal Protector is a great choice. PruLife has everything you want in a permanent life insurance policy along with guarantees.

Policy Features:

  • Guaranteed Level Death Benefit to age 121 
  • Guaranteed Fixed Premium
  • Guaranteed No Lapse Coverage
  • Flexible Premium
  • High Issue ages (Up to age 85)
  • * Minimum Guaranteed Interest Rate of 2 Percent
  • Minimum Face Amount $100,000
  • Maximum Face Amount $10,000,000+

PruLife Universal Life Available Policy Riders:

Waiver of Premium Rider – This rider waives premium payments if the insured becomes totally disabled.

Children’s Protection Rider – This rider provides temporary life insurance coverage for the children of the insured.

Accelerated Death Benefit Rider – This rider provides funds from the policy’s death benefit if the insured is diagnosed with a terminal illness that will result in death in less than 24 months (12 in some states). This rider is available at no charge.

 

Prudential Life Insurance Special Policy Features

Living Needs Benefit – When you purchase a Prudential Life Insurance policy you are provided with more options to use your policy’s benefits. The 2 options that are provided to you free of charge with all Prudential Life Insurance policy’s are the Nursing Home Option and Terminal Illness Option also known as The Living Needs Benefit.

The Living Needs Benefit rider provides the insured the option to accelerate a portion of the policy’s death benefit if permanently confined to a nursing home or is terminally ill and has 6 months or less life expectancy. The maximum amount that can be accelerated for the Nursing Home Option is 70 to 80 percent of the death benefit and 90 to 95 percent for the Terminal Illness Option.   

Benefit Access Rider – The Benefit Access Rider is a rider that is available only on Prudential’s permanent life insurance policies and at an additional charge. This rider provides the insured the option to accelerate a portion of the policy’s death benefit should the insured become ill with a chronic or terminal illness.  

Cigar & Tobacco Chewers – Prudential is one of the very few life insurance companies that offer non tobacco rates for both cigar and tobacco chewers. As long as you do not use cigarettes, and only smoke cigars or chew tobacco, you can qualify for a non-tobacco policy which could save you thousands in premiums!

Related Link: Non-Tobacco Rates for Cigar Smokers

Related Link: Non-Tobacco Rates for Smokeless Tobacco Chewers

Interested in receiving a Prudential Life Insurance Quote? Call us today at (888) 777-7574 or simply use the “Instant Life Insurance Quote” engine located to the right of your screen.

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Prudential Life Insurance Quote by Jeffrey Manola Top Quote Life Insurance