How do I create my Prudential online account?
You can register for an account using this link to Prudential’s log-in page. Select the type of account you want to register, then enter:
The last four digits of your Social Security number
Your date of birth
Your ZIP code
Learn more >> Read our full review of Prudential life insurance
What payment methods can I use to pay my Prudential life insurance premiums?
Prudential allows you to pay your life insurance premiums via electronic funds transfer (EFT) or check. You can’t pay with a credit card. Prudential only accepts checks for annual, semi-annual, and quarterly payments.
Learn more >> Read more about the ways to pay for life insurance
How often do I pay my Prudential life insurance premiums?
Prudential lets you pay your premiums monthly, quarterly, semi-annually, or annually, but it’s worth signing up for automatic payments to remove any chance your coverage lapses by forgetting to manually pay your premiums.
Why haven’t I seen a payment draft yet?
You might not see a premium drafted right away if you’re paying with EFT, since banks don’t always process payments immediately.
What changes can I make on Prudential's online portal?
Using Prudential’s online portal, you can:
View details about your policy
Make a payment
Enroll in or update EFT
Change your address, phone, and email
Change your beneficiaries or add a new one
Can I fix incorrect information on my initial Prudential application?
You can usually make some small changes to your policy, like your employer’s address, your address, or your occupation.
It’s a different story if you need to change information about your health, like doctors visits, medical procedures you’ve had, and prescriptions you take. These changes will require your policy to be reissued — and could affect your insurability.
How do I make changes to my beneficiaries?
You can change your beneficiaries at any time, you’ll just need to:
Provide your new beneficiary’s full name, date of birth, and their relationship to you
Specify whether they will be added as a primary or contingent beneficiary
When you add a beneficiary, you’ll also need to allocate how much of your policy’s death benefit they’ll receive. In total, your selections have to add up to 100%. If you have four beneficiaries, for example, and you want them to receive equal parts of your policy’s death benefit after you die, you’ll need to assign each 25% of the total benefit.
I want to look into a permanent life insurance policy in the future. Can I convert my term policy to a permanent policy?
Yes, Prudential allows you to convert your term life insurance into a permanent life policy at any time before you’re 65 years old or the end of the level term period, whichever comes first.
Can I cancel my Prudential life insurance policy?
Yes, you can cancel your term life insurance policy by speaking to a Prudential representative or simply stopping paying your premiums.
It’s different if you decide to cancel your permanent life insurance coverage. You’ll have to fill out a surrender form (found on Prudential’s website) and, when you cancel, you’ll receive a cash payment for its surrender value. This is your policy’s cash value minus any money you owe on the policy and any fees.
How does my beneficiary file a life insurance claim with Prudential?
Your beneficiary can file a claim online or by calling 800-496-1035 and selecting Option 2. Filing a claim on Prudential’s website takes about 15 minutes. Your beneficiary will need to provide your policy number and Social Security number, an obituary link or death certificate, and contact information for the funeral home your family used.
Learn more >> Read more about how to file a life insurance claim
Can I decrease coverage once my policy has been activated?
It depends. Prudential doesn’t always allow you to reduce your coverage and, once you’re approved, you’re not likely to be approved a second time.
What happens if my Prudential life insurance policy lapses?
If your life insurance coverage lapses for any reason (like missed premiums), you’ll lose your coverage. Your beneficiaries won’t receive your policy’s death benefit if you die while your coverage is lapsed, no matter how long you’ve had the policy or how much you paid in premiums.
What is Prudential’s grace period?
Prudential’s grace period is 31 days, though it varies depending on your state.
A grace period is a length of time after you miss a payment that you still keep your coverage. Rather than canceling your coverage right away, insurance companies have to give you a certain amount of time to catch up with any late payments before they take away your coverage.
How do I reinstate my lapsed policy?
If your policy lapses, you will have to contact Prudential in order to reinstate your policy. You’ll have to fill out a form requesting your reinstatement and possibly go back through the underwriting process and take a medical exam before you get your coverage back, especially if any new red flags come up in your medical history.
This might sound like a lot of trouble, but it’s a good idea to try to reinstate your coverage if you can rather than buying an entirely new policy. The cost of a new policy will be higher than what your premiums were when you bought coverage the first time.
How can I contact Prudential?
There are a few ways that you can contact Prudential:
Fax: 215-784-3624
Phone: 800-782-5356 or 800-788-2255 for premium payments
Mail: Inforce Service Forms, 1600 Malone Street, Millville, NJ 08332
