Learn about next steps now that you have a Prudential policy:
How to create your account
How do I review and sign my policy documents?
Your policy documents will be sent to you via Prudential’s DocuSign You will be prompted to verify your identity in two steps:
Last four digits of your Social Security Number and your birthdate
Phone verification (to the phone number you initially provided)
After your identity is verified, you will be able to review and sign the policy details
How to pay
How often do I make payments?
If you are paying monthly, you’ll need to set up automatic payments from a checking or savings account. Be sure to provide your banking information for your first premium and recurring payments
If you are paying annually, quarterly or semi-annually you can either provide recurring payments or set up for direct billing (Prudential will mail a hard copy of a bill to the address on file a month before the next bill is due)
What payment methods can I use?
Prudential does not allow payments to be made via credit card and does not accept checks as payment for the first monthly premium. Other payment modes are accepted (Semi-Annual, Quarterly, Annual)
Commonly asked questions
I want to look into a whole life policy in the future. Can I convert my term life policy to a whole life policy?
Absolutely! You can convert your term policy into a permanent life policy prior to age 65. Each life insurance company is different so please review the guidelines on Prudential’s conversion policy located within your policy’s fine print.
I want to make some changes to my beneficiaries. How do I do that?
In order to add or change the beneficiaries in your policy, you will need to provide some additional information. Specifically:
The full name(s) of the individual(s), date of birth, and their relationship to you
Whether they will be added as a primary or contingent beneficiary
Each beneficiary allocation should total up to 100% (primary or contingent). For example, if adding 3 of your children as beneficiaries: Child 1 - 33%, Child 2 - 33%, Child 3 - 34%
Alternatively, you can activate your policy first and make these changes at a later date online via Prudential’s website to ensure there is no delay in your coverage. When changing the beneficiary information before signing, the policy will be reissued to reflect these changes. This process normally takes 5 to 7 business days.
There is some incorrect information on my application that I need to update. How can I fix this?
Typically if the information you are looking to update won’t affect the underlying approval of your policy (ex: employer address, home address, length of occupation etc.) you can make these changes after signing your policy.
As mentioned above, any adjustments will require a reissue to reflect the changes and can take anywhere from 5 to 7 business days for the new policy to be revised and ready for review.
There are certain instances where it is important to update information that may have changed since your initial application right away:
There has been a significant change in your health
All doctor visits and any new travel plans that were not previously disclosed
This information will need to be submitted and sent back to the underwriter for review and added to the policy before you sign and activate the policy.
What happens if I want to cancel my policy?
If you decide you no longer want to continue your policy you may cancel it at any time during the term period. There is no fee to cancel.
When will my policy be active?
Prudential determines your policy effective date, or the date that you officially have life insurance coverage, as the date you sign all of your policy documents and submit your first premium payment.
How to get in touch with Prudential
Still have questions for your insurer? You can get in touch with Prudential in a few different ways:
Fax: (215) 784-3624
Phone: (800) 782-5356 option 0
Mail:
Prudential
2101 Welsh Road
Dresher, PA
19025
You can access your online portal here