Prudential Life Insurance Review | Ascension

Best benefits

A wide variety of support options

Prudential offers several options for those who need customer support. Consumers can meet with an advisor in person or get help over the phone. It is also possible to get instant term life insurance quotes online and manage various aspects of a life insurance account online.

Customizable policies

Prudential offers many choices for customizing life insurance coverage. Consumers can add:

  • Serious illness rider
  • Handicapped riders
  • Additional death benefit riders
  • Cash value riders
  • Estate planning riders

Not all endorsements are available with all policies, but the wide variety of options ensures consumers get exactly the coverage they need.

Coverage available even with certain chronic illnesses

Prudential is one of the few insurers that allows coverage for people diagnosed with certain conditions, including HIV. Many competitors exclude coverage for people with chronic illnesses before insuring.

What could be improved?

Best customer service

In JD Power’s 2020 Life Insurance Customer Satisfaction Survey, Prudential ranked below average for overall customer satisfaction. By comparison, more than 10 competitors beat the industry average, including State Farm and Nationwide.

A wider choice of insurance options

Prudential offers term life insurance; and several types of universal life insurance, including indexed and variable universal life coverage. It also offers health insurance. But it does not offer other types of policies such as whole life insurance, home insurance, or auto insurance.

This means that customers who want to meet all of their insurance needs with the same insurer – or who hope to bundle coverage for discounts – will have to look elsewhere. Competitors such as Geico and State Farm offer many more types of coverage.

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