Is Prudential Life Right for You?
When choosing an appropriate company or insurance carrier to put your trust and money into, it’s important to understand a few key things first.
Prudential Life Insurance Company
Prudential’s roots date back to 1875 when it was originally founded as “The Prudential Friendly Society” by John Fairfield Dryden in Newark, New Jersey. Overall, Prudential is one of the largest life insurers in America.
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Prudential’s Financial Strength
At year-end of 2013, Prudential had over $98.5 billion in assets.
As of September 2014 Prudential’s A.M. Best Rating was an A+ (Superior).
This is the second highest possible rating of 15 ratings given by A.M. Best.
As of September 2014 Prudential’s S&P Rating was an AA- (Very Strong).
This is the fourth highest possible rating of 21 ratings given by Standard & Poor’s.
As of September 2014 Prudential’s Moody’s Rating was an A1 (Good).
This is the fifth highest possible rating of 21 ratings given by Moody’s.
As of September 2014 Prudential’s Fitch Rating was an A+.
This is the fifth highest possible rating of 19 ratings given by Fitch.
Prudential Life Insurance Company’s Comdex Ranking is 91.
The highest Comdex Ranking possible is a 100.
The Comdex is not a rating itself, but a composite of all the ratings that a company has received. The Comdex ranks the companies, on a scale of 1 to 100, in relation to other companies that have been rated by the services. The Comdex is an effort to reduce the confusion over ratings, which is caused by each ratings service using a different scale. A company needs to be rated by at least two rating services to receive a Comdex. The Comdex is based on the ratings issued by the following rating services: A.M. Best, Standard & Poor’s, Moody’s Investors Service and Fitch.
Prudential term life options include 10 year, 15 year, 20 year, and 30 year level premium term coverage options. They also offer multiple universal life options for someone seeking a more permanent life insurance plan with flexible premium options.
Where do they fit in?
Prudential will certainly be near the top of a short list of carriers for men with a history of prostate cancer as they are one of the few if not only insurers that will offer up to a Standard Plus Non-Tobacco health rating.
As you prepare to purchase your life insurance coverage with us, knowing your pre-treatment PSA, post-treatment PSA, Gleason Score, and dates of treatment will be vitally important in deciding if Prudential Life Insurance Company is right for you.
Fortunately for you, you don’t need to study and memorize everything that Prudential has to offer and decide on which coverage type, amount, or duration may be the best option all on your own. I’ve done the heavy lifting for you. When you’re ready to take the next step in purchasing your life insurance coverage, please allow me the opportunity to do what I do best. I help men with a history of prostate cancer obtain life insurance coverage at the most favorable rates possible! I look forward to working with you soon.