MetLife vs Prudential Life Insurance

Kaitlyn Short
Kaitlyn Short | Senior Editor

Both Prudential and MetLife have high financial strength ratings and have stood the test of time. Both of these factors indicate that these companies are financially reliable and able to meet claims obligations. While both are good companies, Prudential is best for individuals seeking their own life insurance. Both companies offer nice options for employers creating an employee benefits package.

MetLife logo
#13 MetLife
6.0 Overall Score
3.7
star star star star_half star_border
(63)
Prudential Life Insurance logo verified_user
#11 Prudential Life Insurance
6.1 Overall Score
3.5
star star star star_half star_border
(50)

Overview

MetLife

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

MetLife

Overall Score
6.0 of 10
Review Score
3.7
star star star star_half star_border
Value for Money
3.7
star star star star_half star_border
Quality of Product or Service
3.6
star star star star_half star_border
Company Trustworthiness
3.7
star star star star_half star_border
Likely to Recommend
6.0 of 10

Prudential Life Insurance

6.1 of 10
3.5
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

MetLife

Number of Reviews
63
Review Breakdown
3.7
star star star star_half star_border
5 star
51%
4 star
21%
3 star
3%
2 star
5%
1 star
22%

Prudential Life Insurance

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

Reviews for MetLife

Helpful Favorable Review

star star star star star

Samarra Miller

December 30th, 2021

check_circle

Review Source

I helped one of my older residents shop around for insurance. Being that they are 69yrs he needed a little help. when I was Speaking with the customer service rep he explained to me the benefits that my resident would have getting met life his knowledge was over and beyond that day we signed with MetLife

Helpful Critical Review

star star star_border star_border star_border

nohjireigluf

March 18th, 2022

DETAILS

Can't get policy information online even after creating an account. customer service not good. Just tried 3 times and the auto attendant continually could not hear my responses. Then got hung up on twice. Third time the rep got on and claimed their system was down and apologized saying they could not hear other parties on their phones so she hung up .

Reviews for Prudential Life Insurance

Helpful Favorable Review

star star star star star

Luke Swierczynski

January 31st, 2022

check_circle

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

star star_border star_border star_border star_border

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

Prudential offers term, universal, indexed universal, variable universal, and survivorship life insurance policies. These policies can be purchased by individuals and customized with riders. A few riders that Prudential offers include a disability waiver of premium, accidental death, and an accelerated death benefit rider. Survivorship policies insure two people and the death benefit is usually paid after the second person passes away.

Prudential offers term and universal insurance that employers can offer their employees. Its term policies can be employer-paid or voluntary. Keep in mind that these policies may no longer be effective when employees leave their employer.

In contrast, MetLife life insurance policies are only available for employers to include in their benefits package. It offers term and universal life insurance policies. Like Prudential's employer offerings, its term life insurance can be employer-paid or employee-paid. With some policies, employees can purchase term life insurance for their dependents.

If you're looking to buy your own life insurance policy, Prudential is the only choice between the two. It has a good selection of policies and riders. If you're an employer looking to offer employees life insurance, either company is a good choice. MetLife stands out for its specialization in employer-sponsored insurance and the ability to buy term life insurance for dependents with some policies.

Top Choice

Prudential Life Insurance Logo
Prudential Life Insurance

Other Featured Comparisons