Our Verdict
3.5
Prudential is probably one of the best life insurers in terms of underwriting customers with complicated medical histories, including cancer and diabetes. They were also the first company to offer life insurance to customers who were HIV Positive. This is why I put this Prudential Life Insurance Review together, to help you understand if this product is best for you and how it works.
Pros
- Electronic Application
- Fast Application Approval Process
- Short Application Forms
- Covers People With HIV
Cons
- Policy Delivered By Snail Mail
If you have pre-existing conditions such as diabetes or HIV, or need more than $1 Million in life insurance you will probably need to complete a medical exam to get covered.
While I am a huge fan of no-exam options, sometimes it just won’t fit your situation.
The best way to speed up the underwriting process if you must take an exam will be to get your exam completed as early as possible so that your results get back to the insurance company faster.
If you need the most affordable rates and are fine with a 1 to 2 week turn around, then getting term life insurance rates and coverage from Prudential is the best answer.
Who Is Prudential Life Insurance Company?
Prudential was founded in 1875 which makes it over 142 years old.
They have been named the best life insurance company by Fortune as well.
Prudential is rated A+(Superior) by A.M. Best.
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Why Should You Care About A.M. Best?
I like to think of A.M. Best like the JD Power of the insurance industry, they have been around for over 117 years.
They rate companies based mainly on their financial strength, which can be an indicator or claims-paying ability.
Claims Paying Ability “in plain English”: A Life Insurance Company’s ability to pay out on a policy.