July, 26 2017

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Prudential Life Insurance Review 2017

Prudential Life Insurance Review 2017

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  • Price
  • Underwriting
  • Financial Rating

Prudential Life Insurance Review 2017

Pros:  Prudential Life Insurance Company (also known as Pruco) is one of the largest life insurance companies in the country by total market share in 2017.  Prudential is A+ (Superior) rated by A.M. Best (second highest of 16 ratings).  They have the best rates for certain niches such as cigar and smokeless tobacco users.  Also, Prudential is one of the most popular and well-respected names in the financial services sector.  In addition to their niche of offering non-tobacco rates to chew and cigar users, they offer some of the best rates in the nation for sleep apnea, medical marijuana, travel, and many other health conditions.  They will often have some of the best rates in the country for healthy people and also allow those with a cholesterol reading up to 300 (with an hdl ratio 5.0 or under) the best rating class.

Cons:  Not too many with Prudential right now.

Bottom Line: Prudential is one of the best life insurance companies in the America in 2017, hands down.  They often have the best rates in the country for healthy people but also for many other categies such as:those taking pain medication such as Norco, Vicodin, Lortab, Demerol, Tramadol and Oxycontin, taking one or two anxiety and depression medications Paxil, Prozac, Zoloft, Celexa, Lexapro.  They have the most favorable build chart (height and weight) for seniors over 60. Prudential also has great rates and underwriting for private pilots.  In addition, those who have a medical marijuana card can qualify for the best rate class with Pruco. Prudential also has the best international travel guidelines in the industry including most mission trips. Pruco even allows for non-tobacco rates for chew, dip, snuff, cigars, pipes, e-cigarettes users. Prudential is one of the most well-known and trusted life insurance companies in the world.  With an A+ Superior financial rating and having been in business for over 140 years, it’s easy to see why Prudential is one of the best life insurance companies in 2017.

 

About

Type: Public-PRU

Underwriter: Prudential Insurance Company of America

Founded: 1875

Website: prudential.com

Phone: (800) 778-2255

Address: 751 Broad St., Newark, NJ 07102

A.M Best Rating 2017: A+ (Superior) Second highest of 16 possible ratings

Comdex Ranking: 94 out of 100

Competition: New York Life, MetLife, Northwestern Mutual, Mass Mutual, John Hancock, Principal, State Farm, Allstate, AIG, Ohio National Life, SBLI, Banner Life, Protective Life, Primerica, State Farm, USAA, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica

 

How Does Prudential’s Prices Compare to the Competition?

Sample rates for a $500,000 20 year term for a 50-year old male at the best rating class 2017:

AmountPrudentialMetLifeAXAJohn Hancock
$500k$88.65$89.46$94.50$109.65

 

 

 

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