Affordable Life Insurance Protection for Your Family

Prudential Life Insurance

Young Family

Prudential Life Insurance Company

213 Washington Street, 9th Floor

Newark, NJ  07102

www.prudential.com

Financial Rating:  "A+" (Superior) by A.M. Best

The Prudential Life Insurance Company was founded in 1873. It's a subsidiary of Prudential of America Group. 

The Prudential Financial Companies offer insurance, mutual funds, annuities, pension and retirement services, and a wide variety of financial services. Prudential has total assets of over $207 billion, with net life insurance of $1.6 trillion.

Prudential Life offers a wide selection of life insurance plans including Whole Life and Term Life.

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Help protect your family's financial future with Prudential.

Healthy individuals can buy up to $1,000,000 of level term life insurance from Prudential without having to take any health examination. Prudential also offers affordable coverage to people with health issues such as diabetes, obesity, elevated cholesterol, prostate cancer, and smokers. 

Prudential Life offers term life insurance policies with coverage available for duration (Policy Term) of 10, 15, 20 or 30 years. Renewable term life insurance plans are available without a medical exam.

And, Prudential term life policies offer the ability to convert your term life policy to permanent life insurance, regardless of medical history, within the conversion period.

Life insurance is an essential aspect of financial planning that provides peace of mind to you and your loved ones. Prudential offers a range of life insurance plans that cater to the diverse needs and requirements of individuals.


Guide to Prudential Term Life Insurance Plans


What is Term Life Insurance?

Term life insurance is a type of life insurance policy that provides coverage for a specified period, known as the term. In case of the policyholder's death during the term, the death benefit is paid to the beneficiaries tax-free.

Term life insurance is the simplest and most affordable form of life insurance and is ideal for individuals who require coverage for a specific period, such as the duration of a mortgage or until their children are financially independent.


What Is Level Premium Term Life Insurance?

Term life insurance offers the policyholder level premiums and a fixed death benefit for a period of 10 to 30 years. These polices provide short-term financial protection for specific life events like paying off the mortgage, replacing income, or reaching retirement age. 


Types of Prudential Term Life Insurance Policies


Prudential Term Life insurance policies offer coverage for a specified period from 10, 15, 20, or 30 years, and pay a benefit in case of death.


There are Three Types of Term Life Policies from Prudential:

  • SimplyTerm
  • TermEssential
  • PruTerm One


Prudential offers 3 basic types of term life insurance policies to fit your specific life insurance needs. Each type of policy offers different coverage options, premium payment terms, and flexibility to meet individual life insurance needs.


  1. SimplyTerm - Prudential's SimplyTerm policy is marketed as, "Straightforward, Easy, and Simple," because it offers $100,000 to $1,000,000 of term life insurance without a medical exam. Your application can be completed over the phone in less than 15 minutes and most qualified applicants will be approved in less than 2 weeks.This policy offers 10, 15, 20, and 30 year terms depending on the applicant's age, and it includes a free accelerated death benefit rider that allows the policyholder to access some of their coverage if they are diagnosed with a terminal illness.
  2. TermEssential - If you need more than $1,000,000 of coverage, or have some health issues, Prudential's Term Essential may be your best option. These policies offer 10, 15, 20, and 30 year level terms and they can be converted into permanent coverage. A free medical exam is required for approval, and most policies are issued within 8 weeks. If you have some health issues, a TermEssential policy could be your best option for fully-underwritten life insurance coverage. Prudential is known for being lenient with health issues including type 2 diabetes, obesity, elevated cholesterol, and even some types of cancer.
  3. PruTerm One - Prudential's PruTerm One life insurance policy offers a one-year term that is annually renewable until the age of 95. While these policies are not ideal for most situations, they can be extremely beneficial to someone with a need for short-term coverage.


Benefits of Prudential Term Life Insurance Plans


  1. Affordable Coverage: Prudential term life insurance plans are an affordable way to provide significant financial protection to your loved ones.
  2. Flexible Terms: Prudential term life insurance plans offer flexible terms ranging from 10 to 30 years, making it easy for you to select a term that fits your specific needs.
  3. Guaranteed Renewal: Prudential term life insurance plans offer guaranteed renewal options, allowing you to renew the coverage without undergoing a medical exam.
  4. Living Benefits: Prudential term life insurance plans offer living benefits, such as the Accelerated Death Benefit, which allows the policyholder to access a portion of the death benefit in case of a terminal illness.


How to Purchase Prudential Term Life Insurance Plans


Purchasing a Prudential term life insurance plan is easy and straightforward. You can visit the Prudential website or contact a Prudential insurance agent to get a quote and compare the different term life insurance plans.

After choosing the plan that suits your needs, you can complete the application process online or with the help of an insurance agent.


Summary:

Prudential term life insurance plans offer affordable and flexible coverage options to meet the diverse needs of individuals. With a range of term life insurance plans, guaranteed renewal options, and living benefits, Prudential term life insurance is a valuable addition to your financial planning strategy. If you are looking for a term life insurance plan, consider Prudential for comprehensive coverage and peace of mind for you and your loved ones.


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Disclosure: Compensated Affiliate