Home › Insurance › Term life insurers › New York Life vs Prudential
Here's how New York Life and Prudential term life compare on facts from their own pages. We don't provide quotes.
| New York Life | Prudential | |
|---|---|---|
| Term options | Level Term: 10, 15 or 20 years | Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95 |
| Longest term | 20 years (Level Term) | 30 years |
| Issue ages | Not found on the insurer's page | Not found on the insurer's page |
| How to apply | Through New York Life agents | Not found on the insurer's page |
| Convert to permanent? | Yes, to permanent coverage; the conversion window depends on the policy (New York Life term conversion page) | Yes, without a new medical exam. Issue age 59 or under: by the end of the level period or the anniversary after age 65, whichever is earlier; ages 60–75: by the 5th anniversary |
| Complaints (California 2025, life) | 0.7 per 100,000 policies (4 justified complaints; New York Life Insurance Company) | 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: New York Life term life page (checked 2026-10-12) · Prudential Term Essential brochure (checked 2026-10-12)
More on New York Life · More on Prudential · All term life insurers
Term options: New York Life Level Term: 10, 15 or 20 years, Prudential Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95; Longest term: New York Life 20 years (Level Term), Prudential 30 years; Issue ages: New York Life Not found on the insurer's page, Prudential Not found on the insurer's page; How to apply: New York Life Through New York Life agents, Prudential Not found on the insurer's page; Convert to permanent?: New York Life Yes, to permanent coverage; the conversion window depends on the policy (New York Life term conversion page), Prudential Yes, without a new medical exam. Issue age 59 or under: by the end of the level period or the anniversary after age 65, whichever is earlier; ages 60–75: by the 5th anniversary; Complaints (California 2025, life): New York Life 0.7 per 100,000 policies (4 justified complaints; New York Life Insurance Company), Prudential 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company); Quotes: New York Life We don't sell insurance or give quotes, Prudential We don't sell insurance or give quotes.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.