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Prudential Life Insurance Ratings

Customer Satisfaction Ratings (based on 118 survey results)
Customer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a FriendA.M. Best
Effective as of:

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.

out of 100
May 29, 2019
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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 member24%
Offered best price13%
Financial Strength rating8%
Saw online ad6%
Saw TV commercial5%
Was the company my parents had5%
I had other insurance with this company3%
The company website and mobile apps are easy to use and helpful3%

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

I would definitely recommend this company. 45%
I probably would recommend this company. 39%
Neutral 14%
I probably would not recommend this company. 1%
I would not recommend this company. 1%

What kind of insurance do you have?

Whole 52%
Term 26%
Both 20%
Other - fill in 2%

How much do you pay annually for your life insurance policy

$251 - $500 24%
$751-$1,000 19%
$501-$750 18%
less than $250 17%
$1,001-$1,500 15%
More than $2,501 3%
$1,501-$2,000 3%
$2,001-$2,500 2%

Website and Apps

How easy to use and how helpful they are
47%Good - Fulfills my needs
32%Excellent - Gives me what I need and more
14%Never visited/used website or mobile app
6%Just okay - Fulfills some but not all of my needs
2%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

27%Interactive website
25%In person
5%Smartphone app
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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: How Prudential Life Stacks Up

Prudential claimed a solid 12th place spot on the Best Life Insurance Company annual survey with an overall score of 85.24. The highest score was received in customer service, with a 86 out of 100. It also came in 12th place for the new ranking website and apps.

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 Allstate'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)

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