Lincoln vs. Prudential: Top Life Insurance in 2024
In a comparison of Lincoln vs. Prudential life insurance companies, it was a tie. Prudential offers more affordable rates to women of various ages, on average, than Lincoln. Lincoln, however, offers more affordable rates to men of various ages. Lastly, A.M. Best gave both companies an identical rating.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
UPDATED: Mar 15, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Mar 15, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Lincoln offers more affordable rates to men of various ages
- Prudential offers more affordable rates to women, on average, than Lincoln
- A.M. Best gave Lincoln and Prudential an identical rating
Part of what makes comparing life insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Lincoln vs. Prudential life insurance companies today.
Our Prudential and Lincoln Financial Group life insurance review will cover offered term life insurance pricing for men and women of various ages as well as A.M. Best ratings.
Before we dive into our Lincoln vs. Prudential life insurance comparison, type your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.
Lincoln vs. Prudential: Which company offers more affordable life insurance rates to men?
The simplest place to start when pitting two companies together is pricing. If you’re looking to obtain coverage without breaking the bank, term life insurance is almost certainly the route to take.
Term life insurance guarantees a death benefit should the insured pass away during the established term. Upon the experation of the term, the policyholder has the choice of renewal or conversion.
Should the policy be converted to whole (permanent) life insurance coverage, the insured will be entitled to more benefits. However, they will also be subject to higher premiums.
Let’s look at a table that compares monthly term life insurance rates offered to men of various ages by companies such as Lincoln Life Insurance and Prudential Life Insurance Company.
Lincoln vs. Others: Sample Rates for Males
| Companies | Male Age: 30 Average Monthly Rates | Male Age: 40 Average Monthly Rates | Male Age: 50 Average Monthly Rates | Male Age: 60 Average Monthly Rates |
|---|---|---|---|---|
| Lincoln National | $12.34 | $15.22 | $30.96 | $71.95 |
| Mutual of Omaha | $13.33 | $19.35 | $33.33 | $80.84 |
| Nassau Life | $17.43 | $26.15 | $51.69 | $119.78 |
| Nationwide | $13.56 | $16.41 | $32.59 | $86.41 |
| North American | $12.98 | $16.50 | $31.90 | $77.44 |
| Principal | $12.69 | $15.80 | $31.15 | $71.97 |
| Protective | $11.62 | $14.78 | $30.07 | $69.90 |
| Prudential | $21.88 | $25.60 | $38.07 | $79.41 |
| Sagicor | $12.60 | $17.07 | $43.59 | $103.05 |
| SBLI | $11.80 | $14.53 | $31.88 | $75.61 |
| Transamerica | $13.33 | $20.21 | $40.21 | $101.91 |
How easy is it to find affordable Lincoln vs. Prudential life insurance quotes? As you can see, men in their 30s pay over $9 more per month with Prudential.
Men in their 40s pay over $10 more per month with Prudential Life Insurance Company while men in their 50s pay over $7 more.
Is Prudential also more expensive for men in their 60s? Men in their 60s will be paying about $7.50 more per month should they decide to go with Prudential.
In short, our Lincoln vs. Prudential life insurance review has shown us that Lincoln offers more affordable rates to men of various ages than Prudential.
Let’s now move on and see if the companies’ rates for women can rebalance the scale.
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Which company offers more affordable rates to women?
Let’s now take a look at a table comparing monthly term life insurance rates for women offered by companies including Lincoln and Prudential.
Lincoln vs. Others: Sample Rates for Females
| Companies | Female Age: 30 Average Monthly Rates | Female Age: 40 Average Monthly Rates | Female Age: 50 Average Monthly Rates | Female Age: 60 Average Monthly Rates |
|---|---|---|---|---|
| Lincoln National | $16.10 | $21.22 | $37.41 | $74.81 |
| Mutual of Omaha | $11.61 | $16.56 | $27.31 | $57.19 |
| Nassau Life | $16.14 | $22.52 | $42.11 | $89.06 |
| Nationwide | $13.34 | $16.19 | $27.13 | $61.69 |
| North American | $11.66 | $14.96 | $26.62 | $54.34 |
| Principal | $11.27 | $14.39 | $25.94 | $51.41 |
| Protective | $10.43 | $13.31 | $25.12 | $49.88 |
| Prudential | $17.72 | $21.22 | $37.63 | $59.07 |
| Sagicor | $10.95 | $15.10 | $36.75 | $63.78 |
| SBLI | $10.38 | $13.08 | $26.72 | $53.85 |
| Transamerica | $12.26 | $17.63 | $32.25 | $81.06 |
As you can see, women in their 30s pay over $1 more per month with Prudential. Women in their 40s, however, pay the same amount with either company.
How about Lincoln vs. Prudential life insurance rates for men in their 50s? Again, the companies are just about tied. Women in their 60s, however, pay over $15 more per month with Lincoln.
In short, Prudential offers more affordable rates to women, on average, than Lincoln for term life insurance.
However, should you still hold interest in coverage from Lincoln, here is a table outlining the popular TermAccel policy.
Coverage Outline for Lincoln Financial TermAccel Underwriting Program
| A.M. Best Rating: | A+ = (Superior) |
| Issue Ages: | 18 - 60 |
| Coverage Options: | Term Life Insurance |
| Death Benefit Amounts: | $100,000 - $1,000,000 |
| Health Classes: | Preferred Plus, Preferred, Standard Plus & Standard |
| Application Type: | Online |
| Telephone Interview: | Yes |
| Exam Potential: | Could be required |
| Underwriting: | MIB, MVR, Prescription History |
| Fastest Approval Time: | 2 - 7 Business Days |
Let’s wrap up with Prudential and Lincoln Heritage Life Insurance reviews from A.M. Best and see if the current tie can be broken.
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Lincoln vs. Prudential: Which company is more well-reviewed?
Finally, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.
Let’s take a look at a table that compare the ratings given to major life insurance companies by A.M. Best.
A.M. Best Ratings for Top Providers
| Life Insurance Company | A.M. Best Rating |
|---|---|
| Accordia Life | A- |
| AIG | A |
| ANICO | A |
| Assurity | A- |
| Banner Life | A+ |
| Cincinnati Life | A |
| Fidelity | A- |
| Foresters | A |
| Gerber Life | A |
| John Hancock | A+ |
| Lincoln Financial | A+ |
| MetLife | A+ |
| Midland National | A+ |
| Minnesota Life | A+ |
| Mutual of Omaha | A+ |
| Nationwide | A+ |
| North American Co | A+ |
| Pacific Life | A+ |
| Principal | A+ |
| Protective | A+ |
| Prudential | A+ |
| Sagicor | A- |
| SBLI | A+ |
| Symetra | A |
| Transamerica | A+ |
| VOYA | A |
Lincoln received a rating of “A+” (Superior), which is the second-highest rating given by A.M. Best.
What was A.M. Best’s Prudential Life Insurance rating? As it turns out, Prudential received the same rating of “A+.”
In conclusion, Lincoln offers more affordable rates to men, Prudential offers more affordable rates to women, and both companies hold an identical rating from A.M. Best.
We hope you’ve learned all you needed to decide whether to buy Lincoln vs. Prudential life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.
Read more:
- Lincoln vs. Securian Financial: Top Life Insurance
- Lincoln vs. State Farm: Top Life Insurance
- Lincoln vs. Transamerica: Top Life Insurance
Frequently Asked Questions: Lincoln vs. Prudential Life Insurance
What follows are a couple of commonly asked questions about these two companies.
#1 – How do I make a Prudential Life Insurance payment?
You can pay via the website or the app.
#2 – Where can I find Prudential Life Insurance forms?
A comprehensive list of Prudential life insurance forms can be found on the Prudential webpage.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.