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30 Year Term Life Insurance – Review – Transamerica or Prudential?

Thinking about buying a 30 year term life insurance policy from Transamerica or Prudential?

Transamerica and Prudential 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, gender and health class.   Review the sample quotes and underwriting guidelines below.  See how they compare….

$250,000 – 30 Year Term Life Insurance

Male 35

Male_35_Prudential_Transamerica

Female 35

Female_35_Prudential_Transamerica

Male 45

Male_45_Prudential_Transamerica

Female 45

Female_45_Prudential_Transamerica

Male 55

Male 55 30 Year Prudential Transamerica

Female 55

Female_55_30_Year_Prudential_Transamerica

(The quotes above assume THE BEST HEALTH CLASS.  Quotes & Underwriting Guidelines are valid as of 9/23/2014 and are subject to change.)

 

***In summary –  For all ages & genders: Prudential has less expensive $250,000 – 30 Year Guaranteed Term life insurance policy than Transamerica IF you are able to obtain THE BEST HEATH CLASS.  Keep in mind YOUR specific health, hobbies, & habits may or may not result in a different health class.  See underwriting guidelines below***

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 Transamerica Underwriting Guidelines

Top 3 Health Classes

#1 Health Class = Preferred Plus

#2 Health Class =  Preferred

#3 Health Class = Standard Plus

#1 Health Class = Preferred Plus

Blood Pressure: -Up to age 70 – 135/85.  Ages 71+ – 145/85.  Ages 49 & under: Without treatment.  Ages 50–80: With treatment, as long as readings fit criteria above.  Ages 81+: Without treatment

Cholesterol: Cholesterol with or without treatment: 230 Cholesterol/HDL 5.0 for ages 70 & under.  5.5 for ages 71+.

Family History: No family deaths before age 65 of heart, vascular disease,  or cancer of either parent or any sibling. Disregard if age 65 or older. Some gender specific cancers may qualify for better rates.

Tobacco: No tobacco/nicotine for 5 years

Driving Record: No more than 2 moving violations in the past 3 years.  No convictions for operating a motor vehicle while under the influence of alcohol or drugs.  No reckless driving in the past 5 years.

#2 Health Class = Preferred

Blood Pressure: With or without treatment, up to and including age 70 – 145/85.   age 71+ –  150/90.

Cholesterol: Cholesterol with or without treatment: 260 Cholesterol/HDL 5.5 for ages 70 & under. 6.0 for ages 71+.

Family History: No family deaths before age 60 of heart, vascular disease, or cancer of either parent. Disregard if 60 or older. Some gender specific cancers may qualify for better rates.

Tobacco: No tobacco /nicotine for 2 years.

Driving Record: No more than 2 moving violations in the past 3 years.  No convictions for operating a motor vehicle while under the influence of alcohol or drugs.  No reckless driving in the past 5 years

#3 Health Class = Standard Plus

Blood Pressure: With or without treatment, up to and including age 70 – 148/88.  Age 71+ – 152/88.

Cholesterol: Cholesterol with or without treatment: 300 Cholesterol/HDL 6.2 for ages 70 & under.  6.7 for ages 71+.

Family History: No family deaths before age 60 of heart, vascular disease, or cancer of either parent. Disregard if  71 or older.

Tobacco: No tobacco/nicotine use for 2 years

Driving Record: No more than 2 moving violations in the past 3 years.  No convictions for operating a motor vehicle while under the influence of alcohol or drugs.  No reckless driving in the past 5 years.

Height & Weight Limits

(Click on image to enlarge)

Transamerica_Height_&_Weight_Chart

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

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

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  • Save money – Get the lowest cost possible for your life insurance from the best top rated companies in the market.
  • No pressure sales tactics – You can decide to buy life insurance or not with out getting hassled!
  • Save time-Instant online life insurance quotes from ALL the top rated life insurance companies.
  • Superior Service– The attention to detail your application deserves when it comes to shopping life insurance companies for the best possible price.  This is especially true if you have health conditions or if you have certain hobbies or habits.
  • Very fast and convenient online application process – the quickest approval possible
  • Licensed since 1992 –  State license number provided upon request.

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