Assurity vs. Prudential: Best Life Insurance Company in 2021

The Assurity vs. Prudential life insurance rates are comparable, but Assurity is cheaper for young adults and Prudential is more affordable for older adults. The Assurity and Prudential life insurance ratings show Prudential offers greater financial strength while Assurity offers better customer service. Be sure to perform a full comparison before you buy Assurity or Prudential life insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Aug 23, 2021

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Quick Facts

  • Our Assurity vs. Prudential life insurance rates are similar for middle-aged adults
  • Assurity tends to offer cheaper term life insurance for young adults while Prudential is more affordable for older adults
  • Prudential has better financial strength ratings while Assurity is superior for customer service

Comparing smaller life insurance companies to large insurers, like Assurity vs. Prudential, can help you find the best term life insurance quotes. Large life insurance companies don’t always have the best deals.

Comparing life insurance companies can be time-consuming. We’ll save you time by featuring the Assurity vs. Prudential life insurance products, customer service ratings, and more.

We’ll break down everything you need to compare Assurity vs. Prudential in just a few moments. For now, enter your ZIP code into our free quote tool above to get personalized rates from top life insurance companies near you.

Assurity vs. Prudential: Which life insurance company is the best overall?

When it comes to labeling the best overall life insurance companies, Prudential is almost always in conversation. Assurity life insurance products aren’t as well-known, but how do they compare?

The best life insurance companies have a rich history, affordable products, and a variety of products available. The Assurity and Prudential life insurance company products are similar for starters.

Assurity offers a trio of the most common life insurance products which includes term life insurance, whole life insurance, and universal life insurance.

Prudential doesn’t offer whole life insurance but they do offer a gamut of permanent life insurance options including:

  • Universal life insurance
  • Indexed universal life insurance
  • Variable universal life insurance

Each of these companies offers a strong assortment of products, in short. So, while Assurity life insurance might not be as popular, they at least have similar product options.

Our Assurity life insurance review and Prudential life insurance review will provide greater details on the products available with each respective company.

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Assurity vs. Prudential: Who has the cheapest life insurance?

Comparing life insurance companies can help you get the best price and save you the most money. With most term life insurance policies spanning 20 or 30 years, even a few dollars can make a big difference.

Average Assurity vs. Prudential Monthly Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (Assurity) Average Monthly Rates10-Year Term (Prudential) Average Monthly Rates20-Year Term (Assurity) Average Monthly Rates20-Year Term (Prudential) Average Monthly Rates
25 - Male$13.92$18.16$15.44$19.03
25 - Female$9.79$15.53$11.96$16.41
35 - Male$13.92$19.25$18.49$20.78
35 - Female$11.96$15.53$16.10$17.72
45 - Male$23.71$23.63$35.89$29.97
45 - Female$19.58$22.75$28.06$29.10
55 - Male$51.11$42.88$87.44$71.53
55 - Female $40.46$34.35$64.82$53.82
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The Assurity vs. Prudential life insurance rates fluctuate greatly based on age. For younger adults, Assurity is more affordable while older adults will pay less with Prudential.

For middle-aged adults, finding the most affordable Assurity or Prudential life insurance rates will depend on other factors like gender, occupation, or health status.

Average Monthly Whole Life Insurance Rates for a Female with $100,000 in Coverage
CompaniesAge 50 Average Monthly Rates Age 55 Average Monthly Rates Age 60 Average Monthly RatesAge 65 Average Monthly Rates
AAA $15.40$18.83$25.61$37.93
Accordia Life $41.83N/A$101.24N/A
AIG $15.04$20.96$25.58$44.93
Assurity $16.53$22.97$32.71$49.76
Foresters Financial $13.13$17.41$25.46$34.39
Liberty Mutual$32.94$39.15$59.76$81.27
MassMutual$14.62$20.28$28.19$42.64
Mutual of Omaha $16.73$21.97$29.20$46.57
Prudential$21.27$23.80$29.49$41.13
State Farm $23.49$29.67$40.98$59.51
TransAmerica$17.46$25.89$36.98$59.94
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When comparing sample Assurity and Prudential life insurance quotes to other industry leaders, you’ll find that both companies are middle-of-the-pack.

Assurity and Prudential both tend to be cheaper than companies like Liberty Mutual but are more expensive than Foresters Financial.

Assurity vs. Prudential: Who has the best life insurance ratings?

Getting the best rates is always a positive. Before you complete underwriting, you may want to know your life insurance provider can and will be able to pay your death benefit when the time comes.

There are a handful of reputable life insurance rating agencies that help to ensure insurers are financially adept and that their customer service is up to par. How do the Assurity and Prudential life insurance reviews compare?

Ratings Comparison for Assurity vs. Prudential Life Insurance
Ratings AgencyAssurity RatingPrudential Rating
A.M. BestA-A+
Better Business BureauA+D-
FitchN/AAA-
J.D. PowerN/A759
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The financial strength ratings for Prudential are unsurprisingly high. A.M. Best rates Prudential with an A+ while Assurity holds an A- rating. Both are strong ratings but Prudential is clearly superior.

While Assurity doesn’t boast quite the same financial strength rating, they do have a strong rating from the Better Business Bureau (BBB) while Prudential holds a lackluster rating.

The BBB rating suggests that Assurity does a good job handling customer complaints and inquiries while Prudential struggles to handle them adequately. You might not have the best experience calling the Prudential life insurance phone number.

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Prudential’s J.D. Power rating is also below the industry average, confirming that they do have some issues with customer satisfaction. Unfortunately, Assurity doesn’t have a rating to directly compare the two.

Based on the Assurity vs. Prudential life insurance company ratings, it’s safe to say that the Assurity life insurance customer service experience is more desirable.

Assurity vs. Prudential: What are the pros and cons?

Throughout this article, we’ve covered the Assurity and Prudential life insurance policy options, rates, and ratings. To help you make an informed decision before you buy Assurity or Prudential life insurance, we’ll highlight the key points below.

Pros:

  • Strong financial strength (both companies – Prudential superior)
  • Affordable life insurance (both companies)
  • Varied policy options (both companies)

Cons:

  • Subpar customer satisfaction (Prudential)
  • Few customer service ratings (Assurity)

Overall, Assurity and Prudential have a lot in common. Both companies have strong options with reasonable term life insurance rates when compared to other competitors.

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Assurity vs. Prudential: The Bottom Line

Assurity and Prudential are both legitimate options for life insurance. Prudential offers cheaper rates for older adults while Assurity is more affordable for young adults.

We hope we’ve made comparing Assurity vs. Prudential quick and easy. Take advantage of our free quote tool below to get instant rates from top life insurance companies near you.

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