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20 Year Term Life Insurance – Review – Prudential or MetLife?

Thinking about buying a 20 year term life insurance policy from Prudential or MetLife?

Prudential and MetLife are the two of the most recognizable names in the life insurance industry.  Both are highly rated companies with outstanding reputations.  Prices do vary depending on age and gender.   Review the sample quotes and underwriting guidelines below.  See how they compare….

$250,000 – 20 Year Term

Male 35

Male_35_Prudential_MetLife

Female 35

Female_35_Prudential_MetLife

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Male 45

Male_45_Prudential_MetLife

Female 45

Female_45_Prudential_MetLife

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Male 55

Male_55_Prudential_MetLife

Female 55

Female_55_Prudential_MetLife

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Male 65

Male_65_Prudential_MetLife

Female 65

Female_65_Prudential_MetLife

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(The quotes above assume THE BEST HEALTH CLASS.  Quotes & Underwriting Guidelines are valid as of 9/22/2014 and are subject to change.)

 

***In summary, age and gender can make a difference.  At age 35 & 45,  MetLife is less expensive for both male and female.  At age 55, Prudential is less expensive if you are a male BUT MetLife is less expensive if you are a female.  At age 65,  Prudential is least expensive for both male and female.***

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  Prudential Underwriting Guidelines

Top 3 Health Classes

#1 Health Class = Preferred Best

#2 Health Class =  Preferred

#3 Health Class = Non-smoker Plus

#1 Health Class = Preferred Best

Blood Pressure: Up to 130/80 for ages up to 49.  Up to 135/85 for ages 50 and over.  Without medication.

Cholesterol: Cholesterol/HDL ratio 5 or less. With or without medication.

Family History: No death of parents or siblings from Coronary Artery Disease, Cerebrovascular Disease or cancer prior to age 60.  Cancer limited to those with a high family risk – breast, colon, melanoma, ovarian, pancreas, prostate and stomach.

Tobacco: No tobacco or nicotine use within last 5 years.

Driving Record: No DWI or reckless driving within the last 5 years.  No license suspension within the last 3 years.  No more than 1 citation for moving violation or motor vehicle accident within the last 3 years.

#2 Health Class = Preferred Plus

Blood Pressure: Up to 135/85 for ages up to 49.  Up to 140/90 for ages 50 and over.  With or without medication.

Cholesterol: Cholesterol/HDL ratio 6 or less.  With or without medication.

Family History: No death of more than one parent from Coronary Artery Disease, Cerebrovascular Disease, or cancer prior to age 60.  Cancer limited to those with a high family risk – breast, colon, melanoma, ovarian, pancreas,  prostate and stomach.

Tobacco: No tobacco or nicotine use within last 3 years.

Driving Record: No DWI or reckless driving within the last 5 years.  No license suspension within the last 3 years.  No more than  2 citations for moving violation or motor vehicle accidents within the last 3 years.

#3 Health Class = Standard Plus

Blood Pressure: Up to 140/90 for ages up to 49.  Up to 145/90 for ages 50 and over.  With or without medication.

Cholesterol: Cholesterol/HDL ratio 7 or less.  With or without medication.

Family History: No Specific Criteria.

Tobacco: No cigarettes within last 12 months.  May smoke cigars, pipe or chew tobacco.

Driving Record: Actual driving history will be evaluated to determine qualification for this class.

Height & Weight Limits

(Click on image to enlarge)

Prudential_Height_&_Weight_Chart

MetLife Underwriting Guidelines

Top 3 Health Classes

#1 Health Class = Elite Plus

#2 Health Class =  Elite

#3 Health Class = Preferred

#1 Health Class = Elite Plus

Blood Pressure: Ages 40 & under:  130/80.  Ages 41-54: 135/85.   Ages 55 -69: 140/85.  Ages 70 & over: 140/90.  Under age 55; No blood pressure medication within the last 12 months.

Cholesterol: Ages 54 & under: 200 /  HDL Ratio 4.5.   Ages 55-69: 230 / HDL Ratio 4.5.   Ages 70 & over: 150-240 / HDL Ratio 5.0.  Current medication OK if acceptable level maintained for at least 12 months for all ages.

Family History: Ages 65 & under – No death from cardiovascular disease of cancer in parent or sibling prior to age 60.  Some cancers may qualify.  A wellness consideration MAY be allowed to offset one early family history death due to cardiovascular disease or cancer.  Not applicable to insureds 66 & older.

Tobacco: No nicotine use  of any form in the past 60 months plus a negative nicotine urine test.

Driving Record: No DWI convictions within past 5 years. Maximum of 1 moving violation  within past 3 years.

#2 Health Class = Elite

Blood Pressure: Age 40 & under: 140/85.   Ages 41-54:  140/85.   Ages 55-69: 140/90.  Ages 70 & over:  145/90.  Under age 41: No medication within the last 12 months.

Cholesterol: Ages 54 & under: 240 / HDL Ratio 5.0.   Ages 55-69: 260/ HDL Ratio 5.5 or 280 / HDL Ratio 5.0.   Ages 70 & over: 150-280 /HDL Ratio  5.5 or 150-300 / HDL Ratio 5.0.  Current medication OK if acceptable level maintained for at least 12 months for all ages.

Family History: Ages 65 & younger –  No death from cardiovascular disease or cancer  in a parent or sibling prior to age 60. Some cancers MAY qualify.  A “wellness” consideration may be allowed for proposed insureds age 50-65 to offset one early family history death due to cardiovascular disease or cancer.  Not applicable to insureds 66 & older.

Tobacco: No use of nicotine in any form for past 36 months and negative nicotine urine test. A celebratory cigar (limited to 4 per year) with negative nicotine urine test qualifies.

Driving Record: No DWI convictions within past 5 years. Maximum of 2 moving violations within past 3 years.

#3 Health Class = Preferred

Blood Pressure: Ages 40 & under: 145/90.   Ages 41-54: 145/90.   Age 55-69: 150/90.   Ages 70 & over: 155/90.   Current medication acceptable for all ages.

Cholesterol: Age 54 & under: 260/ HDL Ratio 6.0 or 280/HDL Ratio 5.5.   Age 55-69: 280/HDL Ratio 6.5 or 300/HDL Ratio 6.0.   Age 70 & over: 150-300/HDL Ratio 7.0 or 150-310/HDL Ratio 6.5.   Current medication acceptable for all ages.

Family History: Ages 65 & Under – No death from cardiovascular disease or cancer in parent or siblings prior to age 60.  Some cancers MAY qualify.   A “wellness” consideration may be allowed for proposed insureds age 40-65 to offset one early family history death due to cardiovascular disease or cancer. Not applicable for insureds 66 & over.

Tobacco: No cigarettes or tobacco substitutes in the past 24 months and negative nicotine urine test.

Driving Record: No DWI convictions within past 5 years. Maximum 3 moving violations within past 3 years.

Height & Weight Limits

(Click on image to enlarge)

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Still Have Questions?  Call us direct @ (888) 681-4952.

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Need more information?  Read these reviews…

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