Prudential vs State Farm Life Insurance

Prudential and State Farm are two solid life insurance companies. Rest assured you can't make a bad choice if you have narrowed it down to Prudential and State Farm. See our side by side comparison below to see how these two companies stack up. We have included financial ratings, current leadership, assets, and premium in force for both Prudential and State Farm.
    John Strangfeld
    49 States
    Prudential Plaza, Newark, New Jersey

    The World's Most Admired Companies, FORTUNE, No. 1 in Insurance:Life and Health

    World’s Most Ethical Companies®, Ethisphere

    The JUST100, Forbes and JUST Capital

  • PROS
    • Possible rate reductions
    • Lenient underwriting guidelines
    • Actual age
  • CONS
    • No whole life insurance
    • Lengthy approval process
    • Strict underwriting for best rates
    Michael L. Tipsord
    48 States
    East P.O. Box 588002 North Metro, GA 30029


  • PROS
    • Great Term Life Insurance
    • Top rated customer service
  • CONS
    • Term lengths
    • Higher premiums than other companies

Compare Other Options

1st place trophy

Health IQ is a unique life insurance brokerage that gets you special rates if you live an active lifestyle. If you exercise a few times per week, you can qualify for lower rates. Click below to get an accurate quote.

2nd place trophy

AIG, also know as American International Group, has been in business since 1919. AIG's strong financial rating, product selection and competitive pricing earns it the #2 spot.

3rd place trophy

Banner is a subsidiary of Legal & General, and have been in business since 1836. They hold an A+ financial rating and have some of the most competitive rates. This earns them the #3 spot.

SOURCE Prudential State Farm
JD Power 3/5 5/5
AM Best A+ A++
Moody's A1 Aa1
Fitch AA- N/A
Standard & Poor AA- AA
Comdex Score 92 98
SOURCE Prudential State Farm
Total Assets $831 billion $160.732 billion
Life Insurance in Force Over $2 trillion $901.7 billion
Prudential State Farm
Term life insuranceSelect Term 10, 20, 30
Universal life insuranceReturn of Premium 20, 30
Standard universalMortgage Life 15, 30
Indexed universalWhole Life
Variable universalLimited Pay 10, 15, 20
Single Premium Life
Universal Life
Survivorship Universal Life
Joint Universal Life
Prudential State Farm
MyTerm and Term EssentialSelect Term 10, 20, 30
Term EliteReturn of Premium 20, 30
PruTerm WorkLife 65Mortgage Life 15, 30
PruLife Return of PremiumWhole Life
PruTerm OneLimited Pay 10, 15, 20
Universal Life Insurance Single Premium Life
PruLife Universal ProtectorUniversal Life
PruLife Essential ULSurvivorship Universal Life
PruLife SUL ProtectorJoint Universal Life
PruLife Universal Plus
PruLife Founders Plus UL
PruLife Index Advantage UL
PruLife Survivorship Index UL
VUL Protector
PruLife Custom Premier II
PruLife SVUL Protector
Prudential State Farm
Serious illness riderN/A
Disability rider
Additional death benefits
Cash value rider
Estate planning rider
Jonathan Holloway
January 1, 1970
Jonathan is a licensed life insurance agent at NoExam.com that writes about insurance, personal finance, lifestyle, and sports. See our pages on term life insurance, life insurance rates and life insurance companies for more.
Disclaimer: We make every attempt to make sure our information is up to date, but since things change often it is best to double check the data. This review is an opinion. Clicking on links may result in NoExam.com being compensated.