Fidelity Life vs Prudential Life Insurance

Alice Stevens
Alice Stevens | Senior Editor

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
#17 Fidelity Life
6.3 Overall Score
2.9
star star star star_border star_border
(32)
Prudential Life Insurance logo verified_user
#13 Prudential Life Insurance
7.4 Overall Score
3.4
star star star star_half star_border
(49)

Overview

Fidelity Life

A.M. Best Financial Strength Rating

N/A

Policy Types

N/A

Type of Underwriting Offered

N/A

Purchase Process

N/A

Time in Business

Undisclosed

Prudential Life Insurance

N/A

N/A

N/A

N/A

Undisclosed

Ratings

Fidelity Life

Overall Score
6.3 of 10
Review Score
2.9
star star star star_border star_border
Value for Money
3.4
star star star star_half star_border
Quality of Product or Service
3.2
star star star star_border star_border
Company Trustworthiness
3.3
star star star star_half star_border
Likely to Recommend
5.5 of 10

Prudential Life Insurance

7.4 of 10
3.4
star star star star_half star_border
3.4
star star star star_half star_border
3.4
star star star star_half star_border
3.6
star star star star_half star_border
4.3 of 10

Reviews

Fidelity Life

Number of Reviews
32
Review Breakdown
2.9
star star star star_border star_border
5 star
31%
4 star
16%
3 star
9%
2 star
0%
1 star
44%

Prudential Life Insurance

49
3.4
star star star star_half star_border
5 star
39%
4 star
22%
3 star
8%
2 star
2%
1 star
29%

Reviews for Fidelity Life

Helpful Favorable Review

check_circle

Review Source

star star star star star

Sarah Biondo Phoenix, AZ

My husband and I both have fidelity life insurance and have had it for nearly a decade. It's affordable and we have not had any issues. We have an ACH come out every month for less than $50 for each policy and when we first got it my husband needed to get a blood test in order to get the coverage and they came right to our house, which was really convenient.

3 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Deedee Cowansville, PA

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.

2 years ago

Reviews for Prudential Life Insurance

Helpful Favorable Review

check_circle

Review Source

star star star star star

Mark E Hackensack, NJ

I have had a Life policy with Prudential for many years. Recently I had a call with a rep to discuss options and we came up with a better policy to suite my needs. I hope not to use it for many years, but hopefully it will serve its purpose when the time comes and the company will pay the beneficiaries without a hassle

1 year ago

Helpful Critical Review

star star_border star_border star_border star_border

Jack Roberts Boston, MA

Worst insurance company to deal with for a life claim , originally paid claim, I deposited The check and received a stop payment on it from my bank. Customer service is awful at times I thought I was speaking to representatives from outside the US The policy was in a trust I sent all required documents and they kept asking for something else. Not very accommodating

10 months ago

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.

Top Choice

Prudential Life Insurance Logo
Prudential Life Insurance

Other Featured Comparisons

See All Comparisons