Home › Insurance › Term life insurers › Prudential vs MassMutual
Here's how Prudential and MassMutual term life compare on facts from their own pages. We don't provide quotes.
| Prudential | MassMutual | |
|---|---|---|
| Term options | Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95 | 10, 15, 20, 25 or 30 years, plus annually renewable term |
| Longest term | 30 years | 30 years |
| Issue ages | Not found on the insurer's page | Not found on the insurer's page |
| How to apply | Not found on the insurer's page | Through a financial professional (no direct online application on its 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 | Yes, most policies, without medical questions or exams, generally through age 65 |
| Complaints (California 2025, life) | 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company) | 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: Prudential Term Essential brochure (checked 2026-10-12) · MassMutual term life page (checked 2026-10-12)
More on Prudential · More on MassMutual · All term life insurers
Term options: Prudential Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95, MassMutual 10, 15, 20, 25 or 30 years, plus annually renewable term; Longest term: Prudential 30 years, MassMutual 30 years; Issue ages: Prudential Not found on the insurer's page, MassMutual Not found on the insurer's page; How to apply: Prudential Not found on the insurer's page, MassMutual Through a financial professional (no direct online application on its page); Convert to permanent?: 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, MassMutual Yes, most policies, without medical questions or exams, generally through age 65; Complaints (California 2025, life): Prudential 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company), MassMutual 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company); Quotes: Prudential We don't sell insurance or give quotes, MassMutual 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.