Boise Idaho Life Insurance Brokers | Prudential Term Life Review | Online Quotes

Boise Idaho Life Agent Chris Antrim Reviews Prudential Term Life Quote Male Age 40 Multiple Term Periods. We Work With The Nations Top Life & Health Insurance Companies. We Can Help You With Life Insurance, Medicare, Annuities, Long Term Care, Home, Auto & Business. Some Of Our Carriers Are, Prudential, Safeco, Banner, American General, Gerber, Mutual Of Omaha, United Health Care, Aetna & Humana. Give Our Office A Call For A Review Of Your Current Policies Or For A Quote To Compare Your Options.

Why Prudential Term Life Essential

Hello, It's Chris with Boise Health and Life Insurance Agency. 

Today, we're going to talk a little bit about Prudential Life Insurance, one of the largest, oldest, longstanding life insurance companies in the country. 

Almost everyone has heard about Prudential. They are a fantastic company with great products like term life insurance and permanent life policies as well.

So today, we're just gonna look at doing term life insurance quote and see what some of these rates look like with Prudential. 

We're gonna look at a male, age 40 and this will be for Prudential term life insurance quotes. 

And we're gonna take a look at their 10 year, 15 year, 20 and 30 year guarantee level term product called Term Essential.

So this is a standard plus rate class, which is gonna be middle of the road overall pretty good health. 

You could get actual better underwriting. They have a preferred and then a preferred best.

Most people don't get preferred best, so we're gonna look at Standard plus overall good health, no major health issues.

That's what we're looking at there. This is for $500,000 in death benefit.

Now that's quite a bit, but we'll look at this. So right now, we're looking at the pricing of $580 a year.

Ah, 15 year at $620 and 20 year at $795 they will go out to a 30-year term for $1275 for the year.

So that's pretty great. Now I'm going to tell you this. All companies, um, go through ups and downs with their pricing. We also offer guaranteed issue life plans.

They go through these ups and downs and right now, Prudential, when we looked at the marketplace, probably not the lowest cost.

Currently as of right now, but when you buy Prudential you're buying a piece of the rock. 

I mean, they are one of the largest life insurance companies in the world on but just the financial services juggernaut with their other product annuities, mutual funds, investments.

So if we wanted to look at other companies, this is what I can do here.

I have access to multiple multiple companies and we're gonna take a look.

Prudential Term Life Insurance Pricing

Let's just take a look at the 20-year plan for $500,000 and you can see I can represent all of these companies.

But Banner Life is coming in first and they're a great company, too.

Banners coming in at $568 for the year. You can see how closely they are priced. I mean, like, literally a penny off there.

So $568 for the year and let's find Prudential. Currently, they're not priced great again, good company, and very stable.

$795 compared to the $568 I personally because I work with all these companies.

At this point, I would probably look at doing a banner of principle or in an I G policy and saving, because if you have this policy for 20 years, you know that's $100 a year.

You know, that's a little chunk of change, you know.

$2000 over 20 years of savings, and there's no need to spend that if you don't have to.

That's the benefit of working with an independent life insurance broker like myself is I can shop the market for you and we can find the absolute best policy, the best pricing with the best underwriting.

It doesn't always come down to price. Sometimes we need a company because of the underwriting as well.

Well, that's it for today. We did a little Prudential Review and give us a call if you have any questions.

If you need some quotes, you go to our website.

www.goidahoinsurance.com

It'll be in the article and the video.

Thank You, please call the office with any questions.