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Your Term Essential® Life Insurance Quote

About You

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Find out your monthly cost in minutes*. Provide a few pieces of information and get a quote.

Height *
Are you a permanent U.S. resident? *
Gender *
Do you have an existing Life Insurance Policy? *

Coverage Options

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How much coverage are you seeking today? *
Special Features. Available at an additional cost.
Special Features

Available at an additional cost

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(Additional coverage amounts may be available.)

Overall maximum and minimum coverage amounts vary by issue age, rating class, and other underwriting factors. For quotes above $10 million, contact your financial services professional.


Have you ever been found guilty of driving under the influence (DUI/DWI) or of reckless driving?
Have you had any motor vehicle moving violations within the last three years?
Have you had your driver's license suspended or had an accident within the last three years?

Medical History

Have you used tobacco or nicotine in the last 5 years (including cigarettes, dip, snuff, chewing tobacco, pipe tobacco, nicotine patches or gum and e-cigarettes/vape products)?

Have your parents or any siblings died as a result of cancer, heart disease, or stroke before age 60? (Answer for blood-relations only)

Do you have a history of (select all that apply):

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*Automated quotes are available for U.S. residents only and may need to be adjusted based on additional eligibility factors.

Your Term Essential® Life Insurance Quote

Level Premium Period
Term Essential
Coverage Amount:
Premium Mode:
Monthly - EFT1

Coverage Options

Waiver of Premium Benefit:
Accidental Death Benefit:
Children's Level Term Rider:
Living Needs Benefit:

Medical History

Tobacco Use:
Medical History:
Heart Disease:
High Blood pressure or hypertension:
Drugs and narcotics usage:
Anxiety or depression:
Diabetes and glucose intolerance:
Any other severe chronic disorders:
History of Family Death:

About You


Lifestyle Information

DUI/DWI or Reckless Driving:
License Suspended/At Fault Accident:
Motor Vehicle Moving Violations:
Your Contact Details * required fields
Zip Code
Mobile Phone*
Alternate Phone

Thanks for your interest in life insurance from Prudential Financial. For over 140 years, we've been helping people like you protect their futures.

Here's what happens next:

  1. A licensed Prudential life insurance agent will call to discuss your needs and budget.
  2. They'll review your family situation, health history and future plans — and see if we
    can lower your rate and improve your coverage.
  3. If you agree, your agent will send you an application to complete and sign online.
  4. Our team will review your application.
  5. You may need a brief medical exam; if so, we'll have a licensed medical professional
    visit you at home or work at your convenience.
  6. Your agent will update you every step of the way. If you're approved,
    they'll let you know how to get your coverage started.
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Level Premium Period
Term Essential®


The premiums quoted above include special features and riders you've chosen, if applicable. To review the premium cost breakdown, click the ( + ) icon next to the level premium period.

Please remember these are merely quotes provided on the basis of the information you provided. Complete underwriting of your full medical history and other factors will be required to determine whether you are eligible for coverage and, if so, which underwriting classification will apply. This review may result in a higher premium than initially quoted. Factors typically considered in underwriting include: tobacco use, blood pressure, height and weight, cholesterol, personal medical history (including heart disease, cancer, diabetes and other conditions). alcohol/drug use, driving record, occupation, aviation, avocational activities (including scuba diving, mountain climbing, sky diving, etc.), and residency. Please note that all guarantees are based upon the claims-paying ability of the insurer. Our policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. A financial professional can provide you with costs and complete details.

The premium quoted above includes special features and riders you've chosen, if applicable:

  • Waiver of Premium Benefit
  • Accidental Death Benefit
  • Children's Protection Rider
  • Living Needs Benefit SM
Additional Underwriting Categories

The amounts listed below are examples of additional underwriting classes for which you may be eligible upon the completion of the underwriting process.

Scheduled Level Premium Period:

Coverage Amount:

Class Term Essential®
Preferred Non-Tobacco
Non-Smoker Plus


The maximum amount of insurance available may vary by age and underwriting class and is dependent upon the amount of any existing insurance.

1Electronic Funds Transfer (EFT) is a pre-authorized monthly deduction from your checking amount. Other payment modes are available. Payment modes other than annual may result in higher aggregate premiums than if premiums were paid on an annual basis.

Prudential professionals are licensed agents who are appointed by The Prudential Company of America and its affiliates, including Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey, to sell insurance and financial products.