Prudential Insurance Review 2026Buyers seeking permanent life coverage with living-benefit riders from an established national insurer
Prudential, through The Prudential Insurance Company of America, is one of the oldest and largest life insurers in the United States, headquartered in Newark, New Jersey. Its life line spans term and permanent coverage, including universal, indexed universal, and variable universal life, alongside annuities and retirement products. The company emphasizes permanent-coverage options and living-benefit riders aimed at long-term financial planning.
Prudential at a Glance
Founded
1875
Headquarters
Newark, NJ
AM Best (financial strength)
A+
J.D. Power (satisfaction, approx.)
778
Coverage & Products
- ✓Term life insurance
- ✓Universal life insurance
- ✓Indexed universal life insurance
- ✓Variable universal life insurance
- ✓Survivorship (second-to-die) life insurance
- ✓Annuities and retirement products
Plan Features
Pros
- +Long-established, nationally recognized life insurer
- +Broad range of term and permanent life products
- +Strong living-benefit rider options for chronic and terminal illness
- +Accelerated underwriting available for some qualified applicants
- +Established network of agents and financial advisors
Cons
- −Product lineup and riders can be complex to navigate without guidance
- −Investment-linked policies (VUL/IUL) carry market risk and higher fees
- −Pricing can run higher than some online-first competitors for certain profiles
- −Little upfront pricing transparency without a quote or advisor consultation
- −Limited emphasis on simple traditional whole-life coverage
Prudential — Frequently Asked Questions
Is Prudential a financially strong insurance company?
+
Prudential carries an A.M. Best financial-strength rating of A+. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Prudential's complaint record?
+
The NAIC Complaint Index is published primarily for property-and-casualty lines; for Prudential, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
How do I get a quote or contact Prudential?
+
You can request a quote or reach Prudential at prudential.com or by phone at 800-778-2255. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Compare Life Insurance
Rachel Kim
Editorial Lead, Life & Retirement
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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