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Get a Term Life Insurance Quote

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.

Get an Instant Quote Opens first step to Get Life Insurance Quote

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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?

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?

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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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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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.

Term Essential® is issued by Pruco Life Insurance Company in all states except in New York, where they are issued by Pruco Life Insurance Company of New Jersey. Both companies are Prudential Financial companies and are located at 213 Washington Street, Newark, NJ 07102. Each is solely responsible for its own financial condition and contractual obligations. The policy form number is PLTIC-2019 or ICC19 PLTIC-2019. 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 issuer may have the right to contest the policy for misrepresentation or to apply a suicide clause.

This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. If you would like information about your particular investment needs, please contact a financial professional.

 

For Compliance Use Only:1025426-00003-00

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