How Much Does Life Insurance by Prudential Life Cost?
If you’re overweight —or suffer from any type of health impairment— you should consider applying to Prudential Life Insurance. You might just be surprised by how aggressive Prudential is in underwriting and how your ACTUAL cost beats other leading carriers in the end.
Sample quotes and policy details are from the Prudential website. Your cost may vary and will depend on your age, health status, as well as other underwriting requirements. You will need to complete an application, and be approved by Prudential’s underwriters before you will know your exact cost.
Check out our full Review of Prudential Life Insurance:
Do you have first-hand experience with Prudential Life Insurance? We’d like to hear about it…
Prudential Life Insurance Pricing and Fees
Prudential uses realistic pricing for their term products. They are hardly ever in the Top 5 when comparing quotes, BUT when it come to the actual real approved price they are competitive. This is especially true if you are not in perfect health.
There are no application, medial exam, or other fees when you apply for term life insurance with Prudential.
HOW MUCH DOES PRUDENTIAL TERM LIFE INSURANCE COST?
The cost of Prudential’s term life insurance products, Term Essential & Term Elite is very competitive. Check out the sample quotes below and see for yourself.
QUICK VIEW
- Product Name: Term Essential | Term Elite
- Minimum Policy Face Amount: Term Essential – $100,000 | Term Elite – $1,000,000
- Issue Ages: Both Essential & Elite – 10 Year: 18-75 – 15 Year: 18-70 – 20 Year: 18-65 Non Smoker | 18-60 Smoker – 30 Year: 18-50 Non Smoker | 18-45 Smoker
- Level Period: 10, 15, 20, & 30 Year
PRUDENTIAL TERM LIFE INSURANCE UNDERWRITING CLASSES
- Preferred Non-Smoker
- Non-Smoker Plus
- Non-Smoker
- Preferred Smoker
- Smoker
- Substandard
- Rating Classes A to H
PRUDENTIAL TERM LIFE INSURANCE ADDITIONAL RIDERS
For both Term Essential and Term Elite
- Living Needs Benefit
- Wavier of Premium
- Children’s Protection Rider
- Accidental Death Benefit
There is a premium conversion credit on Term Elite only.
Pros and Cons of Prudential Term Life Insurance
Pros
- Age last birthday
- Better prices for health impairment
Cons
- Preferred Plus & Preferred rates are not as competitive as other leading carriers.
- Limited non-medial options.
PRUDENTIAL TERM LIFE INSURANCE SAMPLE MONTHLY QUOTES
Sample quotes assume the best possible underwriting class. Your actual prices may be different.
Prudential Term Essential
Prudential Term Essential – Monthly Term Life Insurance Sample Quotes – $100,000 – Male
| $100,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $13.65 | $17.24 | $27.39 |
| 15 Year | $14.70 | $18.38 | $32.12 |
| 20 Year | $16.02 | $21.89 | $39.12 |
| 30 Year | $18.73 | $31.68 | $97.30 |
Prudential Term Essential – Monthly Term Life Insurance Sample Quotes – $100,000 – Female
| $100,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $12.08 | $15.93 | $23.19 |
| 15 Year | $12.69 | $17.68 | $25.20 |
| 20 Year | $13.48 | $19.87 | $30.19 |
| 30 Year | $15.93 | $24.59 | $68.08 |
Prudential Term Essential – Monthly Term Life Insurance Sample Quotes – $250,000 – Male
| $250,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $18.82 | $22.97 | $41.57 |
| 15 Year | $20.57 | $24.50 | $56.22 |
| 20 Year | $21.66 | $31.38 | $75.14 |
| 30 Year | $26.03 | $57.75 | $176.32 |
Prudential Term Essential – Monthly Term Life Insurance Sample Quotes – $250,000 – Female
| $250,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $15.32 | $22.10 | $33.25 |
| 15 Year | $16.85 | $23.85 | $43.22 |
| 20 Year | $18.16 | $30.41 | $56.66 |
| 30 Year | $23.63 | $46.38 | $124.69 |
Prudential Term Essential – Monthly Term Life Insurance Sample Quotes – $500,000 – Male
| $500,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $30.19 | $38.50 | $75.69 |
| 15 Year | $33.69 | $41.57 | $105.00 |
| 20 Year | $35.88 | $55.13 | $143.50 |
| 30 Year | $44.63 | $108.07 | $345.19 |
Prudential Term Essential – Monthly Term Life Insurance Sample Quotes – $500,000 – Female
| $500,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $23.19 | $36.75 | $59.07 |
| 15 Year | $26.25 | $40.25 | $79.19 |
| 20 Year | $28.88 | $53.38 | $105.88 |
| 30 Year | $39.82 | $85.35 | $241.94 |
Prudential Term Elite
Prudential Term Elite – Monthly Term Life Insurance Sample Quotes – $1,000,000 – Male
| $1.000,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $38.07 | $71.32 | $146.57 |
| 15 Year | $56.44 | $81.82 | $210.44 |
| 20 Year | $62.57 | $108.94 | $303.19 |
| 30 Year | $87.07 | $221.82 | N/A |
Prudential Term Elite – Monthly Term Life Insurance Sample Quotes – $1,000,000 – Female
| $1,000,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $32.82 | $59.94 | $104.57 |
| 15 Year | $43.32 | $77.44 | $132.57 |
| 20 Year | $52.94 | $85.32 | $218.32 |
| 30 Year | $73.94 | $172.82 | N/A |
Prudential Term Elite – Monthly Term Life Insurance Sample Quotes – $2,000,000 – Male
| $2,000,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $68.69 | $135.19 | $285.69 |
| 15 Year | $105.44 | $156.19 | $413.44 |
| 20 Year | $117.69 | $210.44 | $598.94 |
| 30 Year | $166.69 | $436.19 | N/A |
Prudential Term Elite – Monthly Term Life Insurance Sample Quotes – $2,000,000 – Female
| $2,000,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $58.19 | $112.44 | $201.09 |
| 15 Year | $79.19 | $147.44 | $257.69 |
| 20 Year | $98.44 | $163.19 | $429.19 |
| 30 Year | $140.44 | $338.19 | N/A |
Prudential Term Elite – Monthly Term Life Insurance Sample Quotes – $3,000,000 – Male
| $3,000,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $99.32 | $199.07 | $424.82 |
| 15 Year | $154.44 | $230.57 | $616.44 |
| 20 Year | $172.82 | $311.94 | $849.69 |
| 30 Year | $246.32 | $650.57 | N/A |
Prudential Term Elite – Monthly Term Life Insurance Sample Quotes – $3,000,000 – Female
| $3,000,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| 10 Year | $83.57 | $164.94 | $298.82 |
| 15 Year | $115.07 | $217.44 | $382.82 |
| 20 Year | $143.94 | $241.07 | $640.07 |
| 30 Year | $206.94 | $503.57 | N/A |
WHAT IS THE COST OF PRUDENTIAL GUARANTEED ISSUE WHOLE LIFE INSURANCE?
Prudential does not sell guaranteed issue whole life insurance.
WHAT IS THE PRICE FOR PRUDENTIAL UNIVERSAL LIFE INSURANCE?
The price for prudential universal life insurance is competitive compared to other leading carriers. See sample quotes below.
QUICK VIEW
- Product Name: PruLife Essential Universal Life
- Minimum Policy Face Amount: $100,000
- Issue Ages: 0 to 90
- Level Period: Lifetime coverage
PRUDENTIAL UNIVERSAL LIFE UNDERWRITING CLASSES
- Preferred Best
- Preferred Non-Tobacco
- Non-smoker Plus
- Non-smoker
- Preferred Smoker
- Smoker
- Substandard Rating Classes A to H
PRUDENTIAL UNIVERSAL LIFE ADDITIONAL RIDERS
- Accidental Death
- Children’s Level Term Rider
- Benefit Access Rider
- Wavier of monthly deductions
- Living Needs Benefit
Pros and Cons of Prudential Universal Life Insurance
Pros
- Lifetime coverage
- Flexible premiums
- No lapse guarantee
Cons
- Expensive compared to term life insurance
PRUDENTIAL UNIVERSAL LIFE SAMPLE MONTHLY QUOTES
Sample quotes assume the best available underwriting class. Your actual prices may be different.
PruLife Essential Universal Life Insurance – $250,000 Sample Monthly Universal Life Insurance Quotes – Male
| $250,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| No Lapse Guarantee To Age 121 | $170.00 | $233.00 | $316.00 |
PruLife Essential Universal Life Insurance – $250,000 Sample Monthly Universal Life Insurance Quotes – Female
| $250,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| No Lapse Guarantee To Age 121 | $138.00 | $204.00 | $304.00 |
PruLife Essential Universal Life Insurance – $500,000 Sample Monthly Universal Life Insurance Quotes – Male
| $500,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| No Lapse Guarantee To Age 121 | $331.00 | $457.00 | $624.00 |
PruLife Essential Universal Life Insurance – $500,000 Sample Monthly Universal Life Insurance Quotes – Female
| $500,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| No Lapse Guarantee To Age 121 | $268.00 | $399.00 | $603.00 |
The Bottom Line
Whether you are looking for term life insurance or universal life insurance, you can not go wrong owning “a piece of the rock”.
If you are overweight, or suffer from any type of health impairment; you should consider applying to Prudential. Even if the quotes do not look as competitive as other leading carriers, you might be surprised by just how aggressive Prudential’s Underwriting Guidelines are; and how your ACTUAL COST beats other leading carriers in the end.
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