Prudential Life Insurance Review

Now, it is worth mentioning that although Prudential is just one of the 60 life insurance companies we represent, we have not been paid to give them a review.

As an independent life insurance agent, our reviews are unbiased and are only meant to help you make the best decision regarding your future life insurance coverage. You can start comparing quotes at any time using our online quote form, but in the meantime, keep reading to find out what we think of Prudential

Prudential Term Essentials & Term Elite

Prudential will allow to convert your Term Essential policy to a guarantee universal life policy with having to go through another exam or prove insurability. Conversion eligibility requires you to convert before you turn 65 years old. You also can’t convert in the policy’s first 5 years. The only exception to this is if you bought your Term Essential policy at age 60. 

Term Elite (Guaranteed Conversion Feature)
Prudential’s Term Elite is almost identical to Term Essentials. The biggest difference is Term Elite allows you to convert within the policy’s first 5 years. If this occurs, you’ll get back a premium credit that is applied to your converted policy.

Term Essentials & Term Elite Policy Riders
Life insurance riders are a way to customize your policy. Prudential offers the following riders: