Term Life InsuranceTerm Life Insurance
PrudentialPrudential
A century of trust — the most aviation and high-risk hobby friendly carrier on the market.
Prudential
A century of trust — the most aviation and high-risk hobby friendly carrier on the market.
About Prudential
Prudential Financial has insured Americans since 1875, building one of the most recognized financial brands in the world. With approximately $1.4 trillion in assets under management, Prudential is particularly known for its exceptional underwriting flexibility for private pilots, high-risk avocations, and complex health histories — accepting clients many other carriers will decline.
Term Essential
A century of trust — the most aviation and high-risk hobby friendly carrier on the market.
Product Details
Key Features
Unique Living Needs Benefit
Free built-in living benefit covers terminal illness. In certain states, the rider also covers the need for a vital organ transplant or permanent confinement to a nursing home — going beyond what most carriers offer.
Pilot and High-Risk Hobby Friendly
Private pilots with sufficient logged hours can still qualify for Preferred Plus rates. Recreational divers, skydivers, and other hobbyists also receive favorable treatment that most other carriers surcharge heavily.
PruFast Track — Lab-Free Up to $3M
Applicants aged 18–60 applying for up to $3 million may qualify for same-day or next-day approval without a blood draw or physical exam through the PruFast Track underwriting program.
Best For
Clients who value a trusted brand and those who fly, dive, or participate in activities that would cost more — or disqualify them — at other carriers.