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Prudential Life Insurance
The Prudential Life Insurance Company offers term life insurance, permanent life insurance, universal life insurance, variable life insurance, and survivorship life insurance.
Term insurance provides protection for a limited period of time known as a term that can be 10, 15, 20, or 30 years. The policy will pay a benefit if the insured dies during the period. Prudential offers different types of term called Term Essential®, Term Elite®, and PruLife® Return of Premium Term.
Prudential Life Insurance offers several different types of permanent policies:
- Universal Life Insurance for people who desire long-term death benefit protection with a flexible premium structure.
- Variable Life Insurance which offers a choice of death benefit options and a potential to accumulate non-guaranteed tax-deferred cash value that fluctuates based on the performance of underlying investment options that you choose.
- Survivorship Life Insurance which insures two people but doesn't pay any death benefit until both insured people have died.
The History of Prudential Life Insurance
Prudential Financial has been helping people obtain life insurance since 1875 when the Prudential Friendly Society was founded by insurance agent John Fairfield Dryden in downtown Newark, N.J. The company sold Industrial Insurance policies to low-income, working class families that provided for their death and funeral expenses.
In the 1940s, the company experienced tremendous success and expansion. Their product offerings grew and they opened offices throughout the United States and Canada.
In the 1980s, Prudential became the first major insurance company to sell variable annuities, and in 1984 the company introduced Variable Appreciable Life. Prudential's distinctive rock logo and name are among the most enduring brands in the U.S.
Prudential Life Insurance Ratings
The financial strength of the company was given top ratings by the four major rating companies: Fitch's, Moody's, A.M. Best, and Standard and Poor's. They insure over 15 million lives through 12,000 group life insurance clients. The four top rating companies have rated Prudential Life Insurance highest ratings possible from each of the rating services.
How to Contact Prudential Life Insurance
Prudential Life Insurance
Prudential Financial, Inc
Newark, NJ, USA.
1-800-PRU-HELP (778-4357)
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