PRUDENTIAL

A Choice of Policies — Designed to Fit Your Life

* Premiums designed to fit your budget.
* Options that can change as your family or business grows.
* Term, whole life, universal, variable, and survivorship
insurance policies available, depending on your needs.

Choosing the Right Life Insurance Policy

Should you choose term or permanent insurance? The type of life insurance policy that’s right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you’d like coverage to last. Get an instant quote.

Term Life Insurance is often a practical way to provide the most coverage for your premium dollar during the early years of your policy. Term insurance provides protection for a limited period of time and pays a death benefit if you die during that period. Need to learn more about insurance? Read our five-minute life insurance guide.
Choosing the Right Life Insurance Policy

Should you choose term or permanent insurance?

Already know the coverage that's right for you? Get an instant life insurance quote or find a licensed financial professional near you. Not sure about coverage? Try our life insurance estimator or keep reading to learn more about life insurance policies ...

Already know the coverage that's right for you? Get an instant life insurance quote or find a licensed financial professional near you. Not sure about coverage? Try our life insurance estimator or keep reading to learn more about life insurance policies ...

We offer two types of term insurance policies, issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey in New York and New Jersey:


Already know the coverage that's right for you? Get an instant life insurance quote or find a licensed financial professional near you. Not sure about coverage? Try our life insurance estimator or keep reading to learn more about life insurance policies ...

We offer two types of term insurance policies, issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey in New York and New Jersey:

* Term Essential® – with guaranteed level premiums for 10, 15, 20, or 30 years (premiums increase annually thereafter within the range stipulated in the contract to age 95 (80 in New York) and are not guaranteed) and the ability to convert to permanent insurance anytime throughout the life of the policy until the earlier of the end of the level premium-paying period or age 65, but never less than 5 years after issue.
* Term Elite® – with guaranteed premiums that are level for the first 10, 15, or 20 years and increase annually thereafter. After the level premium period, premiums increase annually and are guaranteed to age 95 (80 in New York). Enables you to convert your term policy to a permanent life insurance policy until you turn 65 or you’ve owned the policy for 5 years, whichever is later.

Want more personal service? Schedule a meeting with a licensed financial professional by completing the form at the top of the page. Or get a life insurance quote to estimate the cost of your coverage.

Permanent Life Insurance offers the potential for lifetime protection and can also build cash value, depending on the type of policy. Withdrawals and loans will reduce policy cash values and the death benefit and may have tax consequences:

* Universal Life Insurance – gives you the choice of death benefit types, flexible premiums, cash value that grows with attractive interest-crediting rates (subject to a guaranteed minimum 3% interest-crediting rate) plus guarantees against lapse.
* Whole Life Insurance – offers a guaranteed death benefit, guaranteed cash value, and a fixed premium.
* Survivorship Life Insurance – insures two people, with a death benefit that is payable upon the second death. It is used primarily to help provide funds to pay estate taxes or for business continuation needs.

Not sure what type of coverage to choose? Take the guesswork out of finding the right insurance policy. Complete the form at the top of the page to schedule a no-obligation consultation with a local Prudential financial professional.


Prudential Financial and the Rock logo are registered service marks of the Prudential Insurance Company of America, Newark, NJ and its affiliates.

Life insurance issued by The Prudential Insurance Company of America, Newark, NJ and its affiliates.

Term Elite and Term Essential are issued by Pruco Life Insurance Company, except in New Jersey and New York, where the issuer is Pruco Life Insurance Company of New Jersey, both located in Newark, NJ. (The policy form numbers for Term Essential and Term Elite are PLTIC-2001 or PLTIC-2005 and PLTI-2000 or PLTI-2005, respectively) (Pruco Life CA COA 3637)

All products may not be available in all states.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. A licensed financial professional can provide you with costs and complete details.

Prudential professionals are licensed agents who are appointed by The Prudential Insurance Company of America and it's affiliates, including Pruco Life Insurance Company of New Jersey, to sell insurance and financial products.

All guarantees are based on the claims-paying ability of the issuing company.

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