Prudential vs. MetLife life insurance

MetLife offers a dynamic product selection, while Prudential's rock-solid finances are best-in-class.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

These two mammoth providers offer term and universal coverage. But a policy with MetLife is only available through your employee unless you opt for its Brighthouse Financial brand. Compare availability, price point and customer satisfaction before making your final pick.

What is Brighthouse Financial? MetLife launched Brighthouse Financial in 2017 as a way to offer individuals life insurance policies outside of an employer. Worth $223 billion in assets, Brighthouse Financial holds over 2.3 million life insurance policies. Today, MetLife and Brighthouse Financial operate completely separately, though MetLife is the largest shareholder of Brighthouse Financial, holding 20% of its common stock.

Life insurance products

MetLife’s products run the gamut of what’s out there, while Prudential zeros in on term, universal and variable plans.

Product
Description
Prudential
MetLife
TermMost affordable option and beneficiaries get paid if you die before the policy ends
checkmark
checkmark
WholeSet premiums and a benefit that builds cash value over time
checkmark
UniversalFlexible premiums and a benefit that builds cash value over time
checkmark
checkmark
VariableFlexible premiums, plus a range of investment options to grow cash over time
checkmark
checkmark
Final expenseMeant to cover end-of-life expenses, such as a funeral
checkmark
checkmark
Protect your loved ones
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.

Need help? Talk to a customer specialist

X

Costs

The exact cost of your life insurance policy depends on personal factors such as your age, health and gender. MetLife doesn’t publish information about its rates, so you’ll need to contact an agent to get a quote.

Here’s a glimpse of Prudential’s average monthly rates, depending on your age and gender.

Nonsmokers: Policy amount $250,000

GenderAge
Prudential
MetLife
Male20
$22.53
N/A
Male30
$20.34
N/A
Male40
$24.50
N/A

GenderAge
Prudential
MetLife
Female20
$15.97
N/A
Female30
$17.21
N/A
Female40
$22.53
N/A

Smokers: Policy amount $250,000

GenderAge
Prudential
MetLife
Male20
$39.38
N/A
Male30
$45.28
N/A
Male40
$75.69
N/A

GenderAge
Prudential
MetLife
Female20
$28.66
N/A
Female30
$36.97
N/A
Female40
$62.13
N/A

Rates include all states except New York and Montana. Quotacy data is valid as of May 2018.

Policy riders

Life insurance riders fill in the gaps where regular coverage might fall short. Browse the riders offered by Prudential and MetLife to ensure they have what you’re looking for.

Prudential
MetLife
Accelerated death benefit
checkmark
checkmark
Accidental death
checkmark
checkmark
Disability waiver of premium
checkmark
checkmark
Chronic and terminal care
checkmark
checkmark
Cash value
checkmark
checkmark
Child Protection
checkmark
*
Survivorship (joint policies)
checkmark
Guaranteed policy split (joint policies)
checkmark
Estate protection (joint policies)
checkmark

*While MetLife doesn’t offer child protection riders, its Dependent Term Life plan can provide coverage for eligible children.

While MetLife doesn’t offer child protection riders, its Dependent Term Life plan can provide coverage for eligible children. Also, MetLife falls short on joint policy riders because it does not, in fact, offer joint policies.

Comparisons based on data available July 2019

Financial strength

Credit rating agencies analyze the health of a provider by looking at financial stability, operational excellence and risk management strategies. Here’s how MetLife and Prudential stack up:

Prudential
MetLife
Winner
A.M. BestA+APrudential
Moody’sAA-A3Prudential
Standard & Poor’sAa3A+Prudential
FitchAA-APrudential
JD PowerAbout averageBetter than mostMetLife

Customer reviews

Prudential and MetLife’s Better Business Bureau profiles lend an idea of how responsible its customer service team is toward customer complaints:

BBB RatingCustomer ReviewsOverall
PrudentialD-1 out of 5 starsThe BBB records 69 complaints over the past three years, but Prudential hasn’t responded to all of them — which is the reason behind its poor rating.
MetLifeA+1 1/3 out of 5 starsOf 502 complaints issued over the last 3 years, MetLife has resolved each one. This high level of responsiveness earns it an “A+” rating.

Bottom line

Prudential and MetLife are both stable insurers with a solid industry reputation, but MetLife is only available through an employer. If either option doesn’t suit your needs, compare life insurance providers to find a better fit.

Compare life insurance companies

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
LadderLife™ Life Insurance
20 - 60 years old
$100,000 to $8,000,000
No
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
Fabric
25 - 60 years old
$100,000 to $5,000,000
No
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
Sproutt
18 - 100 years old
$50,000 to $3,000,000
No
Nationwide
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
AIG
AIG
20 - 85 years old
$100,000 to $2,000,000
Depends on policy.
Products and product features may not be available in all states.
This well-established life insurance provider could offer you $250,000 worth of coverage for as low as $14 per month.
Bestow
21 - 54 years old
$50,000 to $1,000,000
No
Not available in New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.

Compare up to 4 providers

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site