Prudential Life Insurance

Shawn Plummer

CEO, The Annuity Expert

Why Prudential Is A Prefered Life Insurance Company

Prudential stands out as one of our top choices for life insurance for various reasons beyond its strong brand recognition. Here are key factors that contribute to its reputation as a leading life insurance provider:

1. Competitive Term Life Insurance

2. Strong Universal Life (UL) with Conversion Option

  • Versatility of UL Policies: Prudential’s UL policies provide the flexibility of adjustable premiums, death benefits, and the potential for cash value growth.
  • Conversion Feature: The ability to convert term policies into a permanent UL policy provides long-term security and adaptability.

3. Favorable Treatment for Tobacco Users

4. Leniency on Driving Records

  • No Flat Extras on Driving History: Prudential does not add extra charges (flat extras) for individuals with a history of driving infractions, which is a benefit not commonly found with other insurers.
  • Acceptance of Multiple DUIs: They are known to take on clients with multiple DUIs on their record, showing leniency in this area.


Prudential’s strengths in offering competitive term life insurance, robust UL policies with conversion options, favorable rates for certain tobacco users, and leniency in underwriting for those with driving infractions make it a standout choice in the life insurance market. Their approach caters to a wide range of customers, including those who might face challenges in finding affordable coverage elsewhere.

Contact us today for more information about Prudential’s life insurance offerings and how they can suit your specific needs.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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