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Prudential Life vs. Pacific Life: Which is better?

Choose between a cheaper rate or a more comprehensive set of riders.


Fact checked

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.

Life insurance products with Prudential and Pacific Life

Pacific Life
Variable universal
Indexed universal
Final expense


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
Pacific Life
Male 20
Male 30
Male 40
Male 50
Male 60
Gender Age
Pacific Life
Female 20
Female 30
Female 40
Female 50
Female 60

*Based on sample rates from Policygenius, August 2019.

Compare life insurance rates

Compare quotes for life insurance policies starting at $15/month.

Policy riders

Prudential Riders

  • Waiver of premium rider
  • Accelerated death benefit rider
  • Accidental death benefit rider
  • Serious illness rider
  • Estate planning rider
  • Cash value rider
  • Disability income rider
  • Additional death benefit rider

Pacific Life Riders

  • Waiver of premium rider
  • Accelerated death benefit rider
  • Conversion rider
  • Child rider
  • Long-term care rider

Financial strength

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.

Pacific Life
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”

Customer reviews and reputation

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.

Bottom line

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.

Compare life insurance providers

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
18 - 75 years old
10, 15, 20, 30 years
Customize your term life insurance with a long list of life and disability riders. Get a free quote on Policygenius.
18 - 75 years old
10, 15, 20, 25, 30 years
Depends on policy
Purchase a policy worth anywhere from $25,000 to $10 million, with the option to skip the medical exam. Get a free quote on Policygenius.
18 - 80 years old
10, 15, 20, 25, 30 years
Depends on policy
Purchase term life insurance up to age 80 with Finder's #1 ranked company. Get a free quote from this A+ rated insurer on Policygenius.
20 - 85 years old
10, 15, 20, 25, 30, 35 years
Buy term life insurance all the way up to age 85, and choose a policy that lasts up to an incredible 35 years. Get a free quote on Policygenius.
John Hancock
18 - 65 years old
10, 15, 20 years
Depends on policy
Score a low rate on term life insurance with discounts and rewards for your healthy habits. Get a free quote on Policygenius.

Compare up to 4 providers

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