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Term life insurance can give you the peace of mind that your loved ones will be financially protected.
Get an instant quote for 10, 15, 20 or 30 year term life insurance policies from Prudential by answering just a few questions.
Qualified applicants can get a term life quote and buy life insurance online, too.
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Actions What is term life insurance?
What is term life insurance?
A term life insurance policy provides a guaranteed death benefit to your loved ones for the period, or term, you choose—usually 10, 15, 20 or 30 years, as long as you pay your premiums (the amount you pay for coverage), which will stay the same during the term. Compared to permanent policies, term coverage is relatively inexpensive and affordable for most people.
How much life insurance do I need?
How much life insurance do I need?
Prudential’s Life Insurance Calculator makes it easy to determine the coverage amount you’ll need. We include factors like child care, future college tuition, paying off your mortgage and other debts you might have, as well as replacing your lost income.
How does term life insurance work?
How does term life insurance work?
There's nothing too complicated about term life insurance. Coverage begins with your first payment of premium. You choose how long you want your coverage to last, and make regular premium payments for that time period. There are no surprises—one flat monthly, quarterly or annual premium payment—your choice. Keep in mind that payment modes other than annual may result in higher aggregate premiums. If you die during the time you're covered, as long as all premium requirements are met, your beneficiaries will receive the death benefit, generally tax-free.
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Actions Options Give You Power
You deserve the Life Insurance that’s right for you and your loved ones. It’s easy to make that happen, even if you need more than we offer online. Learn more about term life insurance, explore other life insurance solutions or speak to a licensed professional.
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Actions Footnotes
Please remember quotes are based on the information you provided. Underwriting of your medical history and other factors may be required to determine whether you are eligible for coverage and, if so, what premiums would apply. This review may result in a higher premium than initially quoted. Please note that all guarantees are based upon the claims-paying ability of the issuer. Our policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force.
If you continue the policy beyond the initial level-premium period, premiums will then increase annually through age 95 but will never be more than the maximum stated in the contract. The issuing company may have the right to contest the policy for misrepresentation or to apply a suicide clause.
SimplyTerm (ICC18 SIMPT-2018 or SIMPT-2018) and Term Essential (ICC19 PLTIC-2019 or PLTIC-2019) are issued by The Pruco Life Insurance Company except in New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations. Policy form numbers may be followed by a state code. SimplyTerm may not be available in all states.
For Compliance Use Only
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