If you’re looking for a Prudential Life Insurance review, you’ve come to the right place. In this blog post I’m going to cover a few different topics. I’ll discuss Prudential and what makes them a quality life insurance company, I’ll highlight their competitive advantages – including high risk life insurance, and when it makes sense to apply for life insurance with Prudential. If you are simply looking for a Prudential Life Insurance agent, the good news is that Prudential is one of over 30 life insurance companies that we represent.
If you are interested in getting a Prudential Life Insurance Quote simply use our quote form right below this paragraph to compare quotes from over 30 life insurance companies, including Prudential. Otherwise keep reading this Prudential Life Insurance Review.
Prudential is a highly rated life insurance company. They have an A+ rating from A.M Best, AA- from Standard & Poor's (S&P), A2 from Moody’s and A+ from Fitch. Prudential is a financially strong company and we are proud to represent them.
When Prudential has the best rate for life insurance, I always recommend them. However there are times when you don’t even need to compare life insurance rates and just apply with Prudential. This is because Prudential has some competitive advantages in specific situations that make them the clear choice. Let’s discuss those situations now:
If you chew tobacco but don’t smoke cigarettes you can qualify for Standard Plus Non Smoker rates with Prudential. You won’t get non-smoker rates for chewing tobacco with most other companies, and Prudential is the best choice for smokeless tobacco chewers.
While most life insurance carriers charge a “flat extra” – or an additional fee for a history of DUI, Prudential does not. While your rates will still be higher with a DUI, Prudential has more competitive pricing. If you have had 2 DUIs in the last 10 years, you’re out of luck with most life insurance companies, but not with Prudential – they will still offer coverage for a DUI.
Prudential will offer a Standard Plus Non Tobacco rating for someone who uses a nicotine patch, or Nicorette. This is another competitive advantage for Prudential.
Prudential is an excellent choice if you are an active member of our military. Not only will Prudential insure you, but they will do so without exclusions for dying during war. Even if you have orders to deploy, they will still approve you for life insurance. As long as you sign the application in the U.S. you can qualify.
Private pilots can qualify for Standard Plus rates with Prudential. As long as you have 600 hours of total flying time, and fly between 30-300 hours per year, you can qualify for Standard Plus pricing.
If you are a non U.S resident alien, Prudential will still consider you for life insurance – another advantage of Prudential.
Besides the above items, here is a list of impairments that Prudential will consider approving for life insurance:
Prudential looks for the best possible rates for those with a history of the following:
In addition Prudential also considers individuals with a history of Coronary Artery Disease. Other conditions Prudential can be favorable for are the following:
If you would like a quote for high risk life insurance fill out the quote request form right below this, and we can work with you to review options for life insurance.
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Author: Liran Hirschkorn