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Prudential Life Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Product
life-icon Life
info iconOverall
84.79 out of 100
Productinfo icon
HOW WE WEIGH OUR SCORE
Overall
Customer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friendinfo-icon
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

AM Best Financial Strength Ratings

October 31, 2019

life-icon Life 84.79 out of 100 Customer Service 85.40 Value for
Price
84.80
Website and Apps 80.71 % Who Would Recommend to a Friend 78% A+
info icon
AM Best Financial Strength RatingsOctober 31, 2019
A+
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Reasons for Buying from Prudential

Customers of Prudential originally decided to purchase from the company for these reasons:
Recommended by friend or family member22%
Reputation18%
Offered best price16%
Was the company my parents had14%
Other10%
I had other insurance with this company7%
Saw TV commercial7%
Financial Strength rating3%
The company website and mobile apps are easy to use and helpful2%
Saw online ad1%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 49%
I probably would recommend this company. 29%
Neutral 17%
I would not recommend this company. 3%
I probably would not recommend this company. 2%

What kind of insurance do you have?

Permanent, including whole life 52%
Term 30%
Both 17%
Other 1%

How much do you pay annually for your life insurance policy

Less than $250
32%
$250 - $499
19%
$1,000 - $1,249
12%
$500-$749
9%
$750-$999
8%
$1,500 - $1,749
4%
$1,750-$1,999
4%
$3,000-$3,249
3%
$4,000 or more
3%
$2,000 - $2,249
2%
$2,250 - $2,499
2%
$1,250 - $1,499
1%
$2,750-$2,999
1%
$2,500-$2,749
0%
$3,250 - $3,499
0%
$3,500-$3,999
0%

Website and Apps

How easy to use and how helpful they are
31%
Completely satisfied - Gives me what I want and more
28%
Satisfied - Fulfills my needs okay
23%
Neutral - No good or bad feelings on this
16%
Never visited or used website or mobile app
1%
Not Satisfied - Is not a good website or app
1%
Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

47%
Phone
25%
Interactive website
15%
In person
8%
Email
5%
Mobile App
User Review
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About Prudential

Products offered:

  • Term life insurance
  • Universal life insurance 
  • Variable life insurance
  • Survivorship life insurance

Additional products offered:

  • Annuities
  • Mutual funds

Best Life Insurance Companies 2020: How Prudential Insurance Measures Up

Prudential claimed a solid 9th place spot on the Best Life Insurance Company 2020 survey with an overall score of 84.79. The highest score was received was an 8th place for customer service. In the other individual metrics, Prudential ranked 9th for value for price and 13th for ease of use of website and apps. Seventy-eight percent said they would recommend Prudential to others.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Prudential's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For life insurance, Prudential (NAIC# 68241) had a complaint ratio of 0.94 for individual life and 0.21 for group life for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Over 140 years of support

Leveraging its heritage of life insurance and asset management expertise, Prudential is focused on helping approximately 50 million individual and institutional customers grow and protect their wealth. The company’s well-known rock symbol is an icon of strength, stability, expertise and innovation that has stood the test of time. Prudential Financial, Inc. (NYSE: PRU), a financial services leader with approximately $1 trillion in assets under management as of 2016, has operations in the United States, Asia, Europe, and Latin America.

Contact information

Corporate headquarters

The Prudential Insurance Company of America
751 Broad Street
Newark, NJ 07102-3777
Telephone: (973) 802-6000

Life insurance:

(800)944-8786 (policy numbers beginning with the letter "V")

(800)788-2255 (all other policy numbers)