Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 30, 2021

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Facts You Should Know

  • Lincoln offers more affordable rates to men of various ages
  • Prudential offers more affordable rates to women, on average, than Lincoln
  • A.M. Best gave Lincoln and Prudential an identical rating

Part of what makes comparing life insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Lincoln vs. Prudential life insurance companies today.

Our Prudential and Lincoln Financial Group life insurance review will cover offered term life insurance pricing for men and women of various ages as well as A.M. Best ratings.

Before we dive into our Lincoln vs. Prudential life insurance comparison, type your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.

Lincoln vs. Prudential: Which company offers more affordable life insurance rates to men?

The simplest place to start when pitting two companies together is pricing. If you’re looking to obtain coverage without breaking the bank, term life insurance is almost certainly the route to take.

Term life insurance guarantees a death benefit should the insured pass away during the established term. Upon the experation of the term, the policyholder has the choice of renewal or conversion.

Should the policy be converted to whole (permanent) life insurance coverage, the insured will be entitled to more benefits. However, they will also be subject to higher premiums.

Let’s look at a table that compares monthly term life insurance rates offered to men of various ages by companies such as Lincoln Life Insurance and Prudential Life Insurance Company.

Lincoln vs. Others: Sample Rates for Males
CompaniesMale Age: 30 Average Monthly RatesMale Age: 40 Average Monthly RatesMale Age: 50 Average Monthly RatesMale Age: 60 Average Monthly Rates
Lincoln National$12.34$15.22$30.96$71.95
Mutual of Omaha$13.33$19.35$33.33$80.84
Nassau Life$17.43$26.15$51.69$119.78
Nationwide$13.56$16.41$32.59$86.41
North American$12.98$16.50$31.90$77.44
Principal$12.69$15.80$31.15$71.97
Protective$11.62$14.78$30.07$69.90
Prudential$21.88$25.60$38.07$79.41
Sagicor$12.60$17.07$43.59$103.05
SBLI$11.80$14.53$31.88$75.61
Transamerica$13.33$20.21$40.21$101.91
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How easy is it to find affordable Lincoln vs. Prudential life insurance quotes? As you can see, men in their 30s pay over $9 more per month with Prudential.

Men in their 40s pay over $10 more per month with Prudential Life Insurance Company while men in their 50s pay over $7 more.

Is Prudential also more expensive for men in their 60s? Men in their 60s will be paying about $7.50 more per month should they decide to go with Prudential.

In short, our Lincoln vs. Prudential life insurance review has shown us that Lincoln offers more affordable rates to men of various ages than Prudential.

Let’s now move on and see if the companies’ rates for women can rebalance the scale.

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Which company offers more affordable rates to women?

Let’s now take a look at a table comparing monthly term life insurance rates for women offered by companies including Lincoln and Prudential.

Lincoln vs. Others: Sample Rates for Females
CompaniesFemale Age: 30 Average Monthly RatesFemale Age: 40 Average Monthly RatesFemale Age: 50 Average Monthly RatesFemale Age: 60 Average Monthly Rates
Lincoln National$16.10$21.22$37.41$74.81
Mutual of Omaha$11.61$16.56$27.31$57.19
Nassau Life$16.14$22.52$42.11$89.06
Nationwide$13.34$16.19$27.13$61.69
North American$11.66$14.96$26.62$54.34
Principal$11.27$14.39$25.94$51.41
Protective$10.43$13.31$25.12$49.88
Prudential$17.72$21.22$37.63$59.07
Sagicor$10.95$15.10$36.75$63.78
SBLI$10.38$13.08$26.72$53.85
Transamerica$12.26$17.63$32.25$81.06
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As you can see, women in their 30s pay over $1 more per month with Prudential. Women in their 40s, however, pay the same amount with either company.

How about Lincoln vs. Prudential life insurance rates for men in their 50s? Again, the companies are just about tied. Women in their 60s, however, pay over $15 more per month with Lincoln.

In short, Prudential offers more affordable rates to women, on average, than Lincoln for term life insurance.

However, should you still hold interest in coverage from Lincoln, here is a table outlining the popular TermAccel policy.

Coverage Outline for Lincoln Financial TermAccel Underwriting Program
Lincoln Financial TermAccel
A.M. Best Rating:A+ = (Superior)
Issue Ages:18 - 60
Coverage Options:Term Life Insurance
Death Benefit Amounts:$100,000 - $1,000,000
Health Classes:Preferred Plus, Preferred, Standard Plus & Standard
Application Type:Online
Telephone Interview:Yes
Exam Potential:Could be required
Underwriting:MIB, MVR, Prescription History
Fastest Approval Time:2 - 7 Business Days
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Let’s wrap up with Prudential and Lincoln Heritage Life Insurance reviews from A.M. Best and see if the current tie can be broken.

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Lincoln vs. Prudential: Which company is more well-reviewed?

Finally, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

Let’s take a look at a table that compare the ratings given to major life insurance companies by A.M. Best.

A.M. Best Ratings for Top Providers
Life Insurance CompanyA.M. Best Rating
Accordia LifeA-
AIGA
ANICOA
AssurityA-
Banner LifeA+
Cincinnati LifeA
FidelityA-
ForestersA
Gerber LifeA
John HancockA+
Lincoln FinancialA+
MetLifeA+
Midland NationalA+
Minnesota LifeA+
Mutual of OmahaA+
NationwideA+
North American CoA+
Pacific LifeA+
PrincipalA+
ProtectiveA+
PrudentialA+
SagicorA-
SBLIA+
SymetraA
TransamericaA+
VOYAA
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Lincoln received a rating of “A+” (Superior), which is the second-highest rating given by A.M. Best.

What was A.M. Best’s Prudential Life Insurance rating? As it turns out, Prudential received the same rating of “A+.”

In conclusion, Lincoln offers more affordable rates to men, Prudential offers more affordable rates to women, and both companies hold an identical rating from A.M. Best.

We hope you’ve learned all you needed to decide whether to buy Lincoln vs. Prudential life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.

Frequently Asked Questions: Lincoln vs. Prudential Life Insurance

What follows are a couple of commonly asked questions about these two companies.

#1 – How do I make a Prudential Life Insurance payment?

You can pay via the website or the app.

#2 – Where can I find Prudential Life Insurance forms?

A comprehensive list of Prudential life insurance forms can be found on the Prudential webpage.