Prudential vs. Transamerica Life Insurance
Learn the differences between the life insurance options offered by Prudential and Transamerica.
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Prudential and Transamerica are two of the top life insurance companies in America. Both have well over 1,000,000 policyholders nationwide, good consumer grades, and offer competitive term life insurance rates.
So how should 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. Transamerica term life insurance cost comparison
Prudential term life insurance premiums are quite a bit higher across the board for both men and women than those of Transamerica. Here are average monthly premium costs for price-conscious shoppers looking for the most affordable plan.
| Prudential | Transamerica | ||
|---|---|---|---|
| Male | Age 30 | $34.20 | $22.36 |
| Age 40 | $43.65 | $37.85 | |
| Age 50 | $88.65 | $79.12 | |
| Female | Age 30 | $27.90 | $18.06 |
| Age 40 | $38.70 | $30.96 | |
| Age 50 | $76.95 | $62.78 |
Average premium cost based on $500,000/20-year term life insurance policies for healthy, nonsmoking applicants in California.
Prudential vs. Transamerica 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 Transamerica grade out for the most commonly scrutinized health conditions and habits in life insurance.
| Prudential | Transamerica | |
|---|---|---|
| Cancer Survivor/Family History | Fair | Excellent |
| Recent Weight Loss | Excellent | Good |
| Heart Attack | Good | Good |
| Diabetes | Excellent | Fair |
| Sleep Apnea | Excellent | Fair |
| Former Tobacco Use | Excellent | Fair |
| High Blood Pressure | Good | Good |
| High Cholesterol | Excellent | Fair |
Learn more about the best life insurance companies for every scenario.
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Prudential vs. Transamerica 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 Transamerica.
| Prudential | Transamerica | |
|---|---|---|
| Child Protection Rider | X | X |
| Accelerated Death Benefit Rider | X | |
| Accidental Death Benefit Rider | X | X |
| Disability Waiver of Premium Rider | X | X |
Learn more about life insurance riders.
Prudential vs. Transamerica 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 Transamerica compare in financial and customer service ratings?
| Prudential | Transamerica | |
|---|---|---|
| A.M. Best | A+ | A+ |
| J.D. Power | 3 out of 5 | 2 out of 5 |
| BBB | A | A+ |
Compare life insurance companies
Find more head-to-head comparisons between top-rated life insurance companies to help you make the right decision.
| Prudential vs… | Transamerica vs… |
|---|---|
| Banner Life | AIG |
| Lincoln Financial | Mutual of Omaha |
| Pacific Life | Pacific Life |
| Protective |
Choosing the right life insurance company
Based on all the information provided, is Prudential the right life insurance company for you, or is it Transamerica? 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, Transamerica, and other top life insurance companies? Use our coverage calculator for find plans and companies tailored to your needs.
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Pat Howard
Property and Casualty Insurance Expert