1. Fidelity Life vs Prudential Life Insurance

Fidelity Life vs Prudential Life Insurance

If you're choosing between Fidelity Life and Prudential, you're choosing between two reliable insurers. Both have earned high financial strength ratings and have stood the test of time. The biggest differences between the two companies are their policy offerings. Both offer term life insurance. Prudential also offers several kinds of universal life insurance and survivorship policies that insure two people. Fidelity Life also offers final expense and whole life insurance.

Fidelity Life logo verified_user
#10 Fidelity Life
7.1 Overall Score
2.6
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(26)
Prudential Life Insurance logo
#5 Prudential Life Insurance
7.8 Overall Score
3.6
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(40)

Overview

Fidelity Life

Prudential Life Insurance

Monthly Premium
Monthly Premium
Undisclosed
$27.90*
Policy Types
Policy Types
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Term
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Whole
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Term
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Universal
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Variable
Coverage
Coverage
48 states
50
Time In Business
Time In Business
124 Years
145 Years

Ratings

Fidelity Life

Prudential Life Insurance

Overall Score
Overall Score
7.1 of 10
7.8 of 10
Review Score
Review Score
2.6
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3.6
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Value for Money
Value for Money
3.1
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3.6
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Quality of Product or Service
Quality of Product or Service
3.0
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3.6
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Customer Service
Customer Service
3.1
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3.6
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Company Trustworthiness
Company Trustworthiness
3.0
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3.8
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Likely to Recommend
Likely to Recommend
4.8 of 10
4.8 of 10

Reviews

Fidelity Life

Prudential Life Insurance

Number of Reviews
Number of Reviews
26
40
Review Breakdown
Review Breakdown
2.6
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5 star
27%
4 star
15%
3 star
4%
2 star
0%
1 star
54%
3.6
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5 star
40%
4 star
25%
3 star
10%
2 star
3%
1 star
23%

Reviews for Fidelity Life

Helpful Favorable Review

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Stephanie Love

August 3rd, 2020 Herriman, UT DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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I currently have fidelity for my life insurance. It was super easy to set up. I talked to someone for about 20-30 minutes and they got everything set up for me. No medica exam needed and they gave an awesome rate. They answered all my questions and set everything out to me in a hard copy for my records. I feel comfortable knowing that my loved ones will be taken care of if some unfortunate thing ever happens to me.


Helpful Critical Review

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Deedee

August 3rd, 2020 Cowansville, PA DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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My Dad signed on for 10 yr term life. His payment was 40.00 a month once the 10 year term was up and since he wasn't dead yet it went to 400.00 a month. Which he couldn't afford. So he was out his money and then died a year later with no coverage. Don't get term life it doesn't hold cash value and then they make payments unaffordable to continue coverage if needed.


Reviews for Prudential Life Insurance

Helpful Favorable Review

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Syl

August 3rd, 2020 North Port, FL DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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Prudential has always been responsive to make a change to my life insurance policy. My agent has been courteous, knowledgeable and helpful. I would recommend this company for their professionalism and they go to take care of my family.


Helpful Critical Review

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Royal A. Brown III

August 3rd, 2020 DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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Too expensive especially as get older. I had $200K SGLI which converted to PGLI - the retired military plan - increasing term - went from $300 month to $460 when I hit 79 and will jump to $900 month at 75 which will be unaffordable for $200K coverage. I will look for an investment vehicle which will grow for less and still leave my wife with enougth coverage. I have subsequently dropped this coverage.


The Final Word

Fidelity Life offers term life insurance and final expense insurance. It also offers a few policies designed for seniors, like their whole life insurance policy. If you're a senior looking for life insurance or final expense insurance, Fidelity Life is a nice option.

Fidelity Life also offers good riders that can be added to policies. It offers the common disability waiver of premium, accidental death, and an accelerated death benefit. One unique rider it offers is an inflation rider which will adjust the death benefit for inflation to maintain your policy's purchasing power.

Like Fidelity Life, Prudential offers some common and valuable riders with some of its policies: disability waiver of premium, accidental death, and accelerated death benefit. It also offers term life insurance.

Unlike Fidelity Life, Prudential offers universal, variable universal, and indexed universal policies. It also has survivorship universal policies. These policies insure two people and pay a death benefit after both of the insured have passed away.

If a survivorship policy or universal policy is what you want, Prudential is a good choice. If you're a senior or looking for final expense insurance, Fidelity Life is worth investigating further.

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Prudential Life Insurance
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