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Term life pays your beneficiaries if you die during a set number of years. Key things to compare: how long a term you can lock in, whether you can later convert to permanent coverage without a new medical exam, and how you apply. Facts below come from each insurer's own product pages, plus California's official complaint ratios. We don't show prices or give quotes.
Product details can vary by state and change; confirm on the insurer's site before applying.
Source: Prudential Term Essential brochure (checked 2026-10-12)
Here are the facts we could confirm on Prudential's own page (2026-10-12): term options: Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95; longest term: 30 years; issue ages: Not found on the insurer's page; how to apply: Not found on the insurer's page; convert to permanent?: 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): 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company); quotes: We don't sell insurance or give quotes. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Prudential Term Essential brochure (checked 2026-10-12). “not found” means the page didn't state it.
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.