Prudential review

Prudential covers the widest range of family needs on this list, from a small no-exam policy to very large estates. Its life insurance page offers term with no medical exam, up to $1 million in coverage, starting at $10 a month; the quote for that product transfers to Prudential's partner SelectQuote. SimplyTerm is described as going from quote to covered in minutes with a few health questions. Through a financial professional, Prudential sells term cover from $100,000 to $65 million for terms of 10 to 30 years, and another term product covers $25,000 to $1 million for 5 to 20 years. Conversion rules differ by product: one lets you convert during the first 7 years or to age 70 and receive a conversion credit of up to a full year of premium in years 2 to 7. Term policies are issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey. After the level period, premiums rise annually through age 95, capped at the contract maximum.

Who it is for

families who need very large cover

Price

No-exam term up to $1 million from $10 a month.

Term life insurance with no medical exam*. Up to $1 million in coverage, starting at $10/month.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• SimplyTerm: up to $1 million with a few health questions
• Advisor-sold term from $100,000 to $65 million for 10 to 30 years
• Another term product covers $25,000 to $1 million for 5 to 20 years
• Conversion to permanent policies with a conversion credit in years 2 to 7
• Level premiums guaranteed for the term

Strengths and weaknesses

• Strength: Highest coverage ceiling on this list: up to $65 million
• Strength: No-exam term from $10 a month
• Strength: Conversion credit of up to a full year of premium on some policies
• Weakness: Online quotes for the no-exam product transfer to partner SelectQuote
• Weakness: Larger policies need a financial professional
• Weakness: Premiums rise annually after the level period, up to the contract maximum

Key facts

• Coverage range: $25,000 to $65 million across products
• Term lengths: 5 to 30 years depending on product
• No-exam limit: $1 million (SimplyTerm)
• Starting price: $10 a month

Where it ranks

Prudential is No. 6 in our Best Life Insurance Companies verdict.