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Prudential vs Pacific Life Insurance

Learn the differences between the life insurance options offered by Prudential and Pacific Life.

Prudential and Pacific Life are two of the leading life insurance companies in America. Both have over 1,000,000 policyholders nationwide, good consumer grades, and offer competitive term life insurance rates.

So how does one go about deciding between the two? A good place to start would be looking at the average cost of the policies, rider availability, health consideration, and more as criteria for choosing the best plan for your needs.

Prudential vs. Pacific Life term life insurance cost comparison

Prudential term life insurance premiums are higher across the board for men and women than those of Pacific Life. Here are average monthly premium costs for price-conscious shoppers looking for the most affordable plan.

PrudentialPacific Life
MaleAge 30$34.20$20.84
Age 40$43.65$29.59
Age 50$88.65$77.09
FemaleAge 30$27.90$19.18
Age 40$38.70$26.68
Age 50$76.95$61.67

Average premium cost based on $500,000/20-year term life insurance policies for healthy, nonsmoking applicants in California.

Prudential vs. Pacific Life health pricing

Life insurance companies will base your premium rate on your current state of health and your health history, so if cancer runs in your family or you recently had a kidney replacement, companies may be less lenient for those conditions than others.

Here’s how Prudential and Pacific Life grade out for the most commonly scrutinized health conditions and habits in life insurance.

PrudentialPacific Life
Cancer Survivor/Family HistoryFairExcellent
Recent Weight LossExcellentGood
Heart AttackGoodGood
DiabetesExcellentGood
Sleep ApneaExcellentExcellent
Former Tobacco UseExcellentFair
High Blood PressureGoodFair
High CholesterolExcellentExcellent

Learn more about the best life insurance companies for every scenario.

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Need help deciding?

Let our experts help you make the right choice between Prudential and Pacific Life based on your family’s financial needs.

Prudential vs. Pacific Life insurance rider availability

If you’re not satisfied with the standard provisions of a life insurance policy, you can customize it with riders to suit your needs. Here’s a comparison below of the riders offered by both Prudential and Pacific Life.

PrudentialPacific Life
Child Protection RiderXX
Accelerated Death Benefit RiderXX
Accidental Death Benefit RiderX
Disability Waiver of Premium RiderXX

Learn more about life insurance riders.

Prudential vs. Pacific Life company ratings

Life insurance companies can be ranked in several different ways. A.M. Best provides ratings based on the financial strength of the company, while J.D. Power conducts surveys based on customer service, product quality, and buyer behavior, and the Better Business Bureau (BBB) provides grades based on consumer feedback.

How do Prudential and Pacific Life compare in financial and customer service ratings?

PrudentialPacific Life
A.M. BestA+A+
J.D. Power3 out of 5N/A
BBBAA+

Compare life insurance companies

Find more head-to-head comparisons between top-rated life insurance companies to help you make the right decision.

Choosing the right life insurance company

Based on all the information provided, is Prudential the right life insurance company for you, or is it Pacific Life? It really depends on your individual situation and what your needs are. It may boil down to the policy’s cost, health considerations, rider availability, customer service, or something we haven’t mentioned yet. Bottom line, there might not be a one-size-fits-all life insurance company, but there is a company out there for you and your individual needs.

Ready to start looking at policies from Prudential, Pacific Life, and other top life insurance companies? Use our coverage calculator for find plans and companies tailored to your needs.

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Disclaimer: Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.

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