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These big-name insurers are on par when it comes to financial strength and customer engagement. Pacific Life is the budget-friendly option, while Prudential has a longer list of available riders.
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Term | ![]() | ![]() |
Whole | ![]() | |
Universal | ![]() | ![]() |
Variable | ||
Variable universal | ![]() | ![]() |
Indexed universal | ![]() | ![]() |
Final expense | ||
Survivorship | ![]() | |
Your life insurance provider will give you a rate based on your age, gender, occupation and lifestyle. Of these insurers, Prudential has slightly higher rates, so you might save on your monthly premium by choosing Pacific Life.
If you’re a healthy nonsmoker, here’s what you might be charged monthly for a $250,000, 20-year term life policy.
Gender | Age | ![]() | ![]() |
---|---|---|---|
Male | 20 | ||
Male | 30 | ||
Male | 40 | ||
Male | 50 | ||
Male | 60 |
Gender | Age | ![]() | ![]() |
---|---|---|---|
Female | 20 | ||
Female | 30 | ||
Female | 40 | ||
Female | 50 | ||
Female | 60 |
*Based on sample rates from Policygenius, August 2019.
As a policyholder, you want to be able to count on your insurer’s financial stability. Both insurers score top ratings with the major agencies, meaning they have the cash reserves to pay out claims.
Of the 23 insurers surveyed in J.D. Power’s latest life insurance study, Prudential is ranked eighth and Pacific Life ranked ninth. They both earned an “about average” rating for their customer service — so there’s room for improvement.
![]() | ![]() | |
---|---|---|
A.M. Best | A+ (Superior) | A+ (Superior) |
Moody’s | Aa3 (High quality) | A1 (Good) |
Standard & Poor’s | AA- (Very strong) | AA- (Very strong) |
Fitch | AA- (High quality) | AA- (High quality) |
J.D. Power | 3 out of 5 circles or “about average” | 3 out of 5 circles or “about average” |
Prudential has an D- rating with the Better Business Bureau while it’s in the process of resolving complaints. The BBB records 69 complaints in the past three years, most of which related to billing issues and claims. Customers award the company 1 out of 5 stars — but these reviews reflect the company as a whole, and not just its life insurance department.
Pacific Life has an A- rating with the BBB for its customer service and interaction, but just 1 out of 5 stars with customers. The BBB has three recent complaints on file.
The key differences between these insurers lie in their rates and riders. Prudential has higher rates, but a longer list of riders to choose from — including an estate planning rider, which is ideal for wealthy individuals.
To find coverage that best caters to your needs, compare life insurance providers.
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