MetLife vs Prudential Life Insurance
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.
Overview
MetLife
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Prudential Life Insurance
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Ratings
MetLife
Prudential Life Insurance
Reviews
MetLife
Reviews
Prudential Life Insurance
Reviews for MetLife
Helpful Favorable Review
Samarra Miller
December 30th, 2021
Fort Lauderdale, FL
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
Fred
November 10th, 2022
DETAILS
What a scam MetLife is. I had a dental implant and they would not cover it because the extraction & graft performed previously was not done under this current plan. However, the previous plan was ALSO MetLife. Same policy type, different group - because of a job change. 4 years of premiums paid, $0 coverage on this legitimate, necessary procedure. And their customer "service" is anything but.
Reviews for Prudential Life Insurance
Helpful Favorable Review
Luke Swierczynski
January 31st, 2022
Franklin, MI
Edited January 31st, 2022
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
Jack Roberts
January 8th, 2021
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
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.
