Prudential Life Insurance

Prudential Life Insurance Reviews

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Overall Rating1.0 out of 5
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    Prudential Life Insurance Reviews

    ConsumerAffairs has collected 213 reviews and 526 ratings.

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    Page 1 Reviews 0 - 10
    Customer ServiceStaff

    Reviewed Sept. 20, 2023

    Poor customer service. Failed to follow up after speaking to one of their representatives who informed me that that they were waiting to receive some information. Never heard back anything at anytime.

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    Customer Service

    Reviewed July 31, 2023

    I've spent 3+ hours and called 3 different numbers for a simple online account reset. I've waited on hold multiple times as I'm transferred around. No one seems to be able to help me and no one is sure what department is supposed to help me. Every time I'm transferred to a new department, I wait on hold again. AWFUL CUSTOMER EXPERIENCE.

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      PricePunctuality & SpeedStaff

      Reviewed April 18, 2023

      I bought my mom a life insurance 20 yrs ago from a certified agent (Irma). For 20 yrs I made payments right on time. 20 yrs later they tell me the premium has to go up to $685.00 from $70.00 per month. They claim the policy I got would change after 18yrs. So to keep up to date I needed to pay $685.00 month. There is no way people nowadays can afford $685.00 per month for a life insurance. I asked what could be done, they told me if I wanted I could surrender the account and get $1893.00 which was the cash value. I surrender the account after reaching out to the agent that sold me the policy and there was nothing else that could be done. I get a final check and it's $300.00 less than the cash value. They had surrender charges added. They screw you over 20 yrs and they still charge you surrender charges. Shame on you Prudential. And shame in all the people that work there. What you do is wrong..

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      Reviewed April 4, 2023

      My aunt held a life insurance policy since 1967. She passed in Jan. and I have been getting the run-around about paying the claim ever since. 6 times I have been assured that the check would be "processed and mailed," each time having to repeat all information as if it was a new claim. My father worked for Prudential for decades and, in fact, sold this policy to my aunt almost 60 years ago. It's almost like they are trying NOT to pay it. Absolutely outrageous. Today I was again given the "processed and mailed" speech, with assurances it would be in my hands by Friday. We'll see.

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      Reviewed March 30, 2023

      I always want to gave big time company the opportunity to get their information coordinated company correct. I purchase a life insurance policy from Prudential 38 years ago. I became disabled in 2021 so I applied for waiver of my premiums which is 31 dollars a month. Was approved only for Aug 2021 until February 2023. I only want to know since I will be 66 years in April. Was they going to waive my policy premiums? I called 10 times, got disconnected 6 times and was on the phone for 2.5 hours. Nobody knew the answer and nobody could speak English and was transferred to another state or country.

      The connection was horrible so I called from another phone. Still so much incompetent but I was not giving up. Only wanted to ask two questions. Asked when I make 66 years will they waive my premium instead it going up from 31 a month to 165 a month. Who in the hell can afford this? My life insurance is only 50,000 and I been paying the 31 dollars for 38 years. They know nobody will accept you if you 66 years and disabled. They counting on you not to be able to pay that high amount so your policy will collapse and you have nothing after paying on it for 38 years so please beware of how the life insurance company Prudential is getting over on people.

      I asked for a supervisor 8 times. Could not get one on the phone and always bad connection so when I turn 66 years on April 27 my future payment will be 165 dollars. Only will to waive premium from Aug 2021 until February 2023 and after that you on your own. So damn unfair. I was not looking for any back pay. Just wanted my monthly premium waived. No that’s not what they will do. So please read your life insurance policy and do not purchase one from Prudential. The longer you live the more you learn and these companies is ripping people off and stealing money. They would rather you die before they honor the policies. The life insurance policy is for your family to bury you and pay off any debt.

      They all know you can not afford it when you become disabled and on Social Security Disability. I hate feeling like they won after paying them for 38 years. If anyone know how I can make Prudential be honest and waive my 165 premium until I die and stop the ** share your thoughts. That calling back and forth is a disaster and they make sure you get disconnected and they never call back. Share please thoughts if you can help!!

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      Reviewed Feb. 16, 2023

      First, it took them 6 months to roll an IRA out and into my workplace 401(k). Major frustration between my HR and the local Prudential office. The agent tried to get me to roll my $1mil 401(k) to them. My Prudential IRA made less than $2k in 35 years. I decided to cash out my life insurance policy after my husband died. In the 6 days it took them to mail me the forms that I faxed back the day I received them, it lost nearly $1k in value. When I spoke to the representative and filled out the form, I stated I wanted 15% taken out for taxes. They only took out 8.8%.

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      Reviewed Jan. 17, 2023

      I contacted them by phone several times to file a claim for my mother's life insurance. I sent them the paperwork they requested and then received a letter from them a month later, stating they required my family to go to probate court to get a form stating estate executorship. The death certificate, copy of the will stating legal executorship, and being named beneficiaries on their paperwork isn't enough for them. They said court is costly, and we have to do it if we want to even start closing my mother's account. It's been 3 months already of back and forth with them. I've read other people have had this same experience. All 15 other accounts my mother had were resolved easily and quickly. They are horrible and just laugh at your complaints telling you good luck. They should be ashamed of themselves when parents and families work their entire lives to save a little for their children, and then they make it next to impossible for the beneficiaries to make a claim.

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      Reviewed Jan. 13, 2023

      This is the worst company I have ever had to deal with. I submitted my claim when my mom passed away almost a year ago and we have made no progress. Customer service cannot answer any simple question without putting you on hold. They say they haven't received documents, after I insist and will not get off the phone, they have they eventually always find them. They tell me they have sent letters to me, only a few states away, and I won't receive them for months or never receive them at all. In December I got 5 of the same letter from them all in one day. They were dated as July 5th. I submitted all the same information to MetLife and another company at the same time and they paid out within weeks with no problem.

      It took months to finally receive my claim packet and multiple phone calls to even have it actually sent to me. Their mailings has also repeatedly been printed off center and contained grammatical errors, which makes me very nervous giving them all my personal information. Prudential has sent me several letters saying they have not received a final death certificate and then when I call they tell me they received in months ago and they need further information.. When I ask what information the customer service rep is unable to communicate to me what exactly they need. Every question I ask results in being put on hold. With matters as serious as life insurance death claims I would expect a company to have customer service that is fluent in English or knows anything about how the company they work for operates. They also close their offices at 2pm Pacific Time so they are incredibly hard to get ahold of.

      The mixed information I receive over the phone and through the mail has been incredibly frustrating, as well as letters not showing up to my house until months after they are dated are printed. Coming up on a year after my mom's death next month, I am worried I will have to seek legal help in order to get this claim paid to me. This has been an absolute nightmare to deal with while also grieving and I have a feeling it nowhere near close to being paid out. Please DO NOT choose Prudential and possibly put your loved ones through what I have been through so far to with this company.

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      Reviewed Dec. 12, 2022

      Prudential cashed my check for full payment of insurance. I never received a letter of lapse payment they claimed nor termination. Today, in the month of November 2022, their representative stated they have terminated my policy due to no payment and that I have to prove payment was sent. I sent images of checks cashed and now I am waiting more than 2 weeks. I have gone through thorough bank statements and check images yet this company did not respond.

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      Reviewed July 29, 2022

      Prudential gave me a pre-life insurance medical exam and then offered me a premium scheduled to begin in 2023, instead, they took the premium out right away. After telling them several times that my life insurance isn't suppose to start until 2023, they cancelled the policy offer. I have never dealt with a more inept company in my life and probably never will again.

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        Prudential author review by Neal Frankle

        Prudential is a financial services conglomerate that first started operations in 1875. Headquartered in Newark, New Jersey, Prudential is and is a Fortune 500 company offering life insurance, annuities and investments to consumers.

        • Variety of products: They offer a full range of insurance products.

        • Competitive: They are often very competitive among other life insurance providers.

        • Highly rated: They are rated highly by many of the rating agencies such as AM Best, Standard & Poor’s, Mood’s Investors Service, and Fitch.

        • Options: Customers who deal directly with Prudential will only be offered Prudential products.

        by Neal Frankle Life Insurance Advisor

        Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of

        Prudential Life Insurance Company Information

        Company Name:
        Year Founded:
        United States