MetLife vs Prudential Life Insurance

Alice Stevens
Alice Stevens | 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
#12 MetLife
7.6 Overall Score
3.8
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(56)
Prudential Life Insurance logo verified_user
#13 Prudential Life Insurance
7.4 Overall Score
3.4
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(49)

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
7.6 of 10
Review Score
3.8
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Value for Money
3.7
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Quality of Product or Service
3.7
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Company Trustworthiness
3.7
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Likely to Recommend
6.2 of 10

Prudential Life Insurance

7.4 of 10
3.4
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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

MetLife

Number of Reviews
56
Review Breakdown
3.8
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5 star
54%
4 star
20%
3 star
4%
2 star
4%
1 star
21%

Prudential Life Insurance

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

Reviews for MetLife

Helpful Favorable Review

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Review Source

star star star star star

Mike D Washington, DC

MetLife was an excellent company to work with when my wife’s mother passed away. They verified the necessary documents quickly and paid the policy within a few weeks. The customer service representatives were kind and considerate

3 months ago

Helpful Critical Review

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alab50 Bloomfield Hills, MI

This company sucks and is Weight prejudice - I have absolutely no health problems except that I am heavier than they want so I was denied. I will never suggest people use this insurance as they are weight biased. I am on no medications, have no diagnosed health problems either physical/mental, probably could outrun them in a race. No worries - I am sure there are companies that want to take the money of a healthy woman.

11 months ago

Reviews for Prudential Life Insurance

Helpful Favorable Review

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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

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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

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

MetLife Logo
MetLife

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