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PruLife® Universal Protector Life Insurance Quotes

About You * required fields

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



Coverage Options * required fields

Special Features

Available at an additional cost

(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.


Medical History

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

PruLife® Universal Protector Life Insurance Quotes

Age 100
Age 121
Premium Paid and
Guaranteed Coverage to
Premium (in all years)
Coverage Amount:
Premium Mode:
Monthly - EFT1

Coverage Options

Enhanced Disability Benefit:
Accidental Death Benefit:
Children's Level Term Rider:
Living Needs Benefit:

Medical History

Tobacco Use:
Medical History:
Blood Pressure/Cholestrol:
History of Family Death:

About You


Lifestyle Information

DUI/DWI or Reckless Driving:
License Suspended/At Fault Accident:
Motor Vehicle Moving Violations:
Zip Code

*Premiums will guarantee coverage to the policy anniversary following the insured's 100th or 121st birthday, respectively.

+If this premium is paid to age 100, a request to extend the guarantee past age 100 will require significantly higher premiums.

The minimum initial premium (premium needed to issue the policy) may be higher than the amounts stated above.

PruLife® Universal Protector is a flexible premium insurance policy that helps you meet your life insurance needs. You can pay anything from the minimum needed to support policy charges to the maximum allowed for the policy to continue to qualify as life insurance under the Internal Revenue Code. The premiums quoted above will provide guaranteed coverage to either age 100 or age 121 provided your premiums are paid when due, no loans or withdrawals are taken, and you do not change your coverage amount or your death benefit type. The amount and frequency of your premium payments will impact the length of the guarantee coverage. Please click the "Forward To A Financial Professional" button to contact a financial professional and obtain an presentation which would explain the policy in more detail.

The premium quoted includes special features and riders you've chosen:

  • Enhanced Disability Benefit
  • Accidental Death Benefit
  • Children's Protection Rider
  • Living Needs Benefit SM

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, reduction in benefits and terms for keeping them in force. A financial professional can provide you with costs and complete details.

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.

Coverage Amount:

Class *Guaranteed Coverage To Age 100 Monthly - EFT1 Premium *Guaranteed Coverage To Age 121 Monthly - EFT1 Premium
Preferred Non-Tobacco
Non-Smoker Plus

*Premiums will guarantee coverage to the policy anniversary following the insured's 100th or 121st birthday, respectively. +if this premium is paid to age 100, a request to extend the guarantee past age 100 will require significantly higher premiums.

An insurer prepared presentation is required for the sale of this policy.

The quoted premiums displayed above were generated using a Type A (fixed) death benefit and without the use of Rating Classes.

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 account. 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.