New York Life vs Prudential Life Insurance

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Last Updated February 1, 2022

Ratings

Insurify Composite Score

New York Life
85
What is this?

Insurify Composite Score

Prudential
83
What is this?

Term Life Insurance

Policy DetailsNew York Life Prudential
Term Length10, 15, 20 Years10, 15, 20, 30 Years
Guaranteed LevelGuaranteedGuaranteed
Maximum Age60 Years65 Years
Death Benefit Min--$50,000
Death Benefit Max--$250,000
Payment IntervalMonthlyMonthly
RidersNew York Life Prudential
Accidental Death BenefitYesYes
Living/Accelerated Death BenefitYesYes
DisabilityYes--
Child ProtectionYesYes
Long-Term CareYes--
Spouse ProtectionYes--
Waiver of Premium--Yes

Whole Life Insurance

RidersNew York Life Prudential
Accidental Death BenefitYes--
Living/Accelerated Death BenefitYes--
DisabilityYes--
Child ProtectionYes--
Long-Term CareYes--
Spouse ProtectionYes--

Universal Life Insurance

RidersNew York Life Prudential
Accidental Death Benefit--Yes
Living/Accelerated Death Benefit--Yes
Policy Split Option--Yes
Guaranteed Minimum Cash Value--Yes
Child Protection--Yes
Disability--Yes
Benefit Access--Yes
Overloan Protection--Yes
Estate Protection--Yes

Variable Universal Life Insurance

Indexed Universal Life Insurance

RidersNew York Life Prudential
Accidental Death Benefit--Yes
Child Protection--Yes
Guaranteed Minimum Cash Value--Yes
Disability--Yes
Overloan Protection--Yes

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.