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Prudential vs. MetLife life insurance

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

Updated

Fact checked

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
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WholeSet premiums and a benefit that builds cash value over time
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UniversalFlexible premiums and a benefit that builds cash value over time
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VariableFlexible premiums, plus a range of investment options to grow cash over time
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Final expenseMeant to cover end-of-life expenses, such as a funeral
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Protect your loved ones
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.

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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
Get a quote on Policygenius
GenderAge
Prudential
MetLife
Female20
$15.97
N/A
Female30
$17.21
N/A
Female40
$22.53
N/A
Get a quote on Policygenius

Smokers: Policy amount $250,000

GenderAge
Prudential
MetLife
Male20
$39.38
N/A
Male30
$45.28
N/A
Male40
$75.69
N/A
Get a quote on Policygenius
GenderAge
Prudential
MetLife
Female20
$28.66
N/A
Female30
$36.97
N/A
Female40
$62.13
N/A
Get a quote on Policygenius

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
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Accidental death
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Disability waiver of premium
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Chronic and terminal care
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Cash value
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Child Protection
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Survivorship (joint policies)
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Guaranteed policy split (joint policies)
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Estate protection (joint policies)
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*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 age Minimum Coverage Maximum Coverage Medical Exam Required
Sproutt
18 - 100 years old
$50,000
$3,000,000
No
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
Policygenius
18 - 85 years old
$10,000
$10,000,000+
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
Bestow
21 - 54 years old
$50,000
$1,000,000
No
Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.
Everyday Life
20 - 75 years old
$100,000
$10,000,000
No
Build a customized laddering strategy to target specific financial responsibilities and save on term life.
Fabric
25 - 60 years old
$100,000
$5,000,000
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
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Compare up to 4 providers

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