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. The Living Needs Benefit is a free built-in rider covering terminal illness; in certain states, it extends to organ transplant and permanent nursing home confinement — a benefit combination unique to Prudential among major term carriers. PruFast Track accelerated underwriting handles no-exam cases up to $3M for ages 18–60.
FindInsureWise's Take
Prudential is the clear first choice for private pilots with sufficient logged hours, recreational divers, skydiving enthusiasts, and applicants with complex avocation profiles. The Living Needs Benefit adds organ transplant and nursing home confinement coverage in applicable states — going beyond what most carriers offer in the terminal illness space. For families where critical illness or chronic illness coverage is the priority, other carriers with broader living benefit riders are stronger options.
Strengths
- Best-in-class for private pilots — Preferred Plus rates achievable with sufficient logged hours
- Favorable treatment for scuba diving, skydiving, and other high-risk avocations that most carriers surcharge heavily
- Living Needs Benefit adds organ transplant + nursing home coverage in select states — unique among term carriers
- PruFast Track: no-exam up to $3M for ages 18–60, with same-day or next-day decisions
- A+ (Superior) rated with $1.4T+ in AUM — exceptional financial strength
Considerations
- Living benefits primarily terminal illness — no critical illness or chronic illness riders
- Organ transplant and nursing home benefits are state-dependent — not available in all states
- Not the best choice if comprehensive living benefit coverage (critical illness, chronic illness) is the primary goal
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.