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Prudential Financial does individual life insurance business in most States as Pruco Life insurance company.  


Get a Prudential life insurance quote today.


They’re one of the largest life insurance company’s in United States with strong financial ratings and have been in business for over 140 years. 


Pruco Life offers Term Life Insurance policies, Return of Premium Term, Universal Life, Guaranteed Universal Life insurance, Indexed Universal Life, Variable Universal Life insurance and Survivorship life products.


Prudential Life Insurance Review


Besides for being a big name brand, one of the best aspects of Prudential is their life insurance underwriting


Prudential has some unique underwriting niche’s and they could be the best company for your life insurance needs if you have preexisting conditions that fall into one of these niche’s below. 


Life insurance for adult onset type 2 diabetics diagnosed at age 50 or older with A1C under 7.0.


Life insurance for type 1 diabetes that use less than 70 units of insulin daily, even if you’ve had minor complications like mild retinopathy or mild neuropathy.  


If you’re overweight and need life insurance, Prudential has some extremely liberal height/weight requirements, especially if your age 60 or older looking for senior life insurance. 

Prudential’s Great for Alternate Tobacco and Pot Smokers


If you use any tobacco other than cigarettes (i.e. chewing tobacco, cigar, pipe, dip or e-cigarettes) or if you use marijuana and need life insurance, you must get a quote from Prudential. 


If you have more than one impairment, like heart disease and high blood pressure, you’ll definitely want to get sample quotes from Prudential as they may end up being the best insurance company for you. 


Prudential should also be considered if you’re a private pilot, scuba diver or involved in other potentially hazardous avocation.


Prudential has made offers on some of these really tough cases when all other life insurance companys have declined.


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What is Prudential Term Essential and Term Elite?


Term Essential is Prudential’s most inexpensive level term life product.


Term Elite is slightly more expensive than Term Essential.


You can buy 10, 15, 20 and 30 year term life policies with both of these Pruco life insurance products.


The major difference between term essential and term elite is that term elite offers a conversion credit in the first 5 policy years to help reduce the cost if you decide to convert your term policy to permanent life insurance in the first 5 policy years only.   


Don’t Buy Pru Term Elite If You Don’t Plan on Converting In 5 Years


We find that almost no one is considering conversion of their term policy in the first 5 policy years.  So for most people, the Term Essential product will probably be best for them.


Prudentials life insurance products do require a medical exam and are not going to be best for everyone, but if you fall into one of their niche’s, they may just offer the best life insurance option for you. 


If you don’t want to shop to find best rate and product, make sure to have an independent agent or broker who can offer affordable life insurance from Prudential insurance and all other insurance companies (not just 10 or 20) shop for you.


Prudential Return of Premium Term


Prudential offers fairly competitive Prulife return of premium (ROP) products that would refund 100% of premiums paid into policy if you’re still living at the end of the 15, 20 or 30 year term.


For example, below is a Prudential $500,000- 20 Year ROP preferred plus illustration for a 45 year old male in good health.  Please note how the cash value or return of premium amount increases each year starting in year 4 with 100% being refunded at end of year 20…    

Prudential ROP Illustration

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Prudential Guaranteed Universal Life


Prudential also offers a competitive GUL product called Prulife Universal Protector with a no lapse guarantee.

This UL Protector is going to be most competitive UL insurance option for the same underwriting niche's that are mentioned above...

Prudential GUL Good for Diabetics, Tobacco, Marijuana, Obese

Some type 1 and 2 diabetics, alternate tobacco users, pot smokers or marijuana users and for people that may be a little overweight or have obesity issues.

Keep in mind also that if you're looking for cash value growth, Pruco offers current assumption universal life, indexed universal life, variable universal life and survivorship universal life products.

Prudential Living Needs Benefit Rider

On Prudential's term and most of their permanent insurance products they offer a living needs benefit insurance rider, in most States.

These living benefits on life insurance will enable you to accelerate a portion of your life insurance to help pay for nursing home care, an organ transplant or if you're diagnosed with a terminal illness. 

This rider is not available in Washington State and there are variations to it in several States.

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Bottom Line on Prudential 


Prudential Life insurance company of America has great underwriters that are very responsive and that go out of their way to offer the best life policies.  

They offer all types of life insurance coverage besides for final expense insurance plans or traditional whole life insurance policies.


If you happen to fall into one of the niche’s above and would like Prudential term life insurance quotes, please call us at 1-800-380-3533, click here to email us or just click on the secure link above to get an accurate quote.  


Then we’ll compare quotes and email you with Prudential’s quote and level premium quote from their competition, including American General/AIG, Banner Life, Cincinnati Life, Lincoln Financial, John Hancock, North American Company, Mutual of Omaha, Protective Life and other companies, if the competition‘s rate may be better for you! 


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