Overview
| AM Best Rating | A+ |
| Parent Company | Prudential Financial, Inc. |
| Founded | 1875 |
| Headquarters | Newark, NJ |
| Best For | Best for health conditions, smokers, and complex cases |
| Term Rate (35M, $500K, 20yr) | $33/mo |
Pros & Cons
- ✅ Most flexible underwriting for health conditions in the industry
- ✅ Good rates for diabetics, heart disease history, and smokers
- ✅ Wide product portfolio (term, UL, IUL, VUL, whole life)
- ✅ Preferred rates for some quit-smoking applicants
- ✅ PruLife Essential UL is highly competitive
- ❌ Not the cheapest option for healthy applicants
- ❌ Application process can be slower than digital-first carriers
- ❌ Customer satisfaction ratings are average
Products Available
| Product | Coverage Amounts | Issue Ages |
|---|---|---|
| Term Essential | $100K–$65M | 18–75 |
| PruLife Universal Protector | $100K+ | 18–85 |
| VUL Protector | $100K+ | 0–85 |
| Indexed UL | $100K+ | 18–80 |
2026 Rate Samples
| Age / Gender | $250K, 20yr | $500K, 20yr | $1M, 20yr |
|---|---|---|---|
| 30, Male | $17/mo | $27/mo | $47/mo |
| 35, Male | $21/mo | $33/mo | $57/mo |
| 35, Female | $18/mo | $28/mo | $48/mo |
| 40, Male | $30/mo | $47/mo | $85/mo |
Our Verdict
Prudential is our top recommendation for anyone with a health history — diabetes, heart disease, smoking, or other conditions that make underwriting tricky. Their flexible guidelines often result in better rates than competitors for imperfect health.
The bottom line: Prudential is a solid carrier with strong financials. Whether it's the best choice for you depends on your age, health, and coverage needs. That's why we compare it against 19 other carriers before recommending it — sometimes it wins, sometimes it doesn't.
See If Prudential Is Your Best Rate
We compare Prudential against 19 other top carriers to find your lowest available premium.
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