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.
Founded
1875
Headquarters
Newark, NJ
AM Best (financial strength)
A+
J.D. Power (satisfaction, approx.)
778
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.
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.
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.
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 2026-06-14
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