About Prudential Life Insurance
213 Washington Street
Newark, New Jersey 07102-2992
Phone: (973) 802-6000
Company Website: http://www.prudential.com/insurance
Founded in 1875, Prudential Financial companies serve individual and institutional customers worldwide and include The Prudential Insurance Company of America, one of the largest life insurance companies in the U.S.
While servicing more than 3.8 million policyholders, these companies offer a variety of products and services, including mutual funds, annuities, real estate brokerage franchises, relocation services, and more.
Prudential’s Financial Stability
To protect consumers, life insurance is heavily regulated by the federal government and each state government as well. Additionally, insurance companies rely on third-party assessment services to determine and confirm the financial stability of the company which allows the company to publish unbiased financial ratings that are assigned and confirmed by the rating companies.
| Rating Service | Company Rate |
| A.M. Best | A+ |
| Standard & Poors | AA- |
| Moody’s Investors Service | Aa3 |
| Fitch Ratings | AA- |
Life Insurance from Prudential
Like many other top-of-the-line life insurers, Prudential offers a comprehensive selection of life insurance products except for one conspicuous omission; Prudential does not offer Whole Life Insurance.
Term Life Insurance
Prudential certainly understands the popularity of term insurance and they know that most individuals and families depend on some form of term coverage whether used for mortgage protection, income replacement, or a legacy for heirs, Prudential gives you choices.
Although all Prudential term policies include the Accelerated Death Benefit which pays a portion of the death benefit to the insured if diagnosed with a terminal illness or confined to a nursing or hospice facility, they offer several other optional riders so that applicants can customize their insurance coverage to meet their specific needs.
Here’s a quick look at Prudential’s term insurance rates for a $250,000 20-year policy for a very healthy male and female non-smoker.
| Age of Applicant | Male Non-Smoker | Female Non-Smoker |
| 25 | $19.03 | $16.41 |
| 30 | $20.34 | $17.28 |
| 35 | $20.78 | $17.72 |
| 40 | $24.50 | $22.53 |
| 45 | $29.97 | $29.09 |
| 50 | $45.50 | $40.03 |
Prudential’s Universal Life Insurance
Insurance shoppers who are looking for guaranteed life insurance coverage combined with a cash account that earns interest and will accumulate wealth over time should look to Prudential’s selection of Universal Life, Indexed Universal Life, Survivorship Universal Life, and Variable Universal Life products to meet circumstances that may be a little more complicated than a death benefit.
