Fidelity Life vs Prudential Life Insurance

Kaitlyn Short
Kaitlyn Short | 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
#15 Fidelity Life
5.4 Overall Score
2.9
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(32)
Prudential Life Insurance logo verified_user
#11 Prudential Life Insurance
6.1 Overall Score
3.5
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(50)

Overview

Fidelity Life

A.M. Best Financial Strength Rating

N/A

Policy Types

N/A

Type of Underwriting Offered

N/A

Purchase Process

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Time in Business

Undisclosed

Prudential Life Insurance

N/A

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Undisclosed

Ratings

Fidelity Life

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

Prudential Life Insurance

6.1 of 10
3.5
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3.4
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3.4
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3.6
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4.3 of 10

Reviews

Fidelity Life

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

Prudential Life Insurance

50
3.5
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5 star
40%
4 star
22%
3 star
8%
2 star
2%
1 star
28%

Reviews for Fidelity Life

Helpful Favorable Review

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Sarah Biondo

August 20th, 2021

DETAILS

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Review Source

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.

Helpful Critical Review

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Deedee

August 22nd, 2019

DETAILS

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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Luke Swierczynski

January 31st, 2022

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Review Source

When my wife and I were exploring life insurance policies to fit our retirement portfolio with our financial advisor we were between Prudential and Ohio National. Prudential had a very competitive offer for the space which is why our FA had us looking at them but the rider policy we attempted to add in addition to the whole life insurance policy was not granted at the amount we were seeking so we had to go with their competitor.

Helpful Critical Review

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Jack Roberts

January 8th, 2021

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

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

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