State Farm vs Prudential

Term options: State Farm Select Term: 10, 20 or 30 years, level premium, Prudential Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95; Longest term: State Farm 30 years, Prudential 30 years; Issue ages: State Farm Issue ages 18–75 (10-yr), 18–65 (20-yr), 18–45 (30-yr), Prudential Not found on the insurer's page; How to apply: State Farm Online quote; buying is mostly through State Farm agents, Prudential Not found on the insurer's page; Convert to permanent?: State Farm Yes, to permanent coverage during the level term and before age 75, regardless of health (State Farm 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): State Farm 0.1 per 100,000 policies (1 justified complaint; State Farm Life Insurance Company), Prudential 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company); Quotes: State Farm We don't sell insurance or give quotes, Prudential We don't sell insurance or give quotes.