Term Life Insurance

Term life insurance provides protection for a limited period of time. Depending on the policy selected, coverage can last until you reach age 65, or for a period of 10, 15, 20, or even 30 years.

We offer four types of term life insurance policies, each with its own features and benefits. All of them offer a death benefit—the amount paid to your beneficiaries when you die.


Term Essential® is a budget-friendly entry into life insurance, with premiums that remain the same during the initial period and an option to convert to a permanent policy.

Term Elite® is a stepping-stone to permanent life insurance, with premiums that remain the same during the initial period and the option to convert to a permanent policy and receive a premium credit.

PruTerm WorkLife 65SM is an innovative term policy that offers term protection up to age 65. Plus, it offers valuable living benefits that are built-in to the policy at no additional premium.

PruLife® Return of Premium Term is term protection that guarantees that all your out-of-pocket paid premiums will be returned at the end the selected policy term.*

Learn more about our Term Life Insurance policies, including a side-by-side comparison chart.



* Return of Premium Term returns all premiums paid during the level premium period selected if the insured lives to the end of the selected period. Returned premiums do not include any outstanding loans and interest. Also, all premiums may not be returned if the policy was surrendered before the end of the level premium period.

Term Essential (PLTIC-2008), Term Elite (PLTI-2008), and PruTerm WorkLife 65 (PLTUB-2011) are issued by Pruco Life Insurance Company in all states (where available), except New York, where, if available, they are issued by Pruco Life Insurance Company of New Jersey. PruLife Return of Premium Term (PLTIR-2009) is issued by Pruco Life Insurance Company in all states except New Jersey and New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both Pruco Life companies are Prudential Financial companies and are located at 213 Washington Street, Newark, NJ 07102-2992. All are Prudential Financial companies located in Newark, NJ.

All guarantees are based on the claims-paying ability of the issuer. Each company is solely responsible for its own financial condition and contractual obligations.

Insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details.