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If you own a term life insurance policy with Prudential Life Insurance, you can convert your policy to a permanent one with no evidence of insurability. We help consumers convert their Prudential term life insurance policies even if we're not the agent on the policy.

There are currently 3 term products and all of them have different conversion options: Term Essential, Term Elite and WorkLife 65. If you have an old Prudential life insurance policy, we can also convert those policies as well.

All of Prudential's term life insurance policies can be partially converted. This means if you have a $500k term life insurance policy and only want to convert $100k of it, you can. This would decrease your term insurance to $400k with $100k being permanent. This is an important benefit because many life insurance companies will make you convert the full amount which often times is unaffordable.

Prudential Term Essential Conversion Options

You can convert to any permanent coverage that is offered by Prudential up to age 65. If you purchased your Term Essential policy between the ages of 60 and 64, Prudential will allow 5 years for you to convert. So if you purchased a policy on your 64th birthday, you can convert up to the age of 69.

Prudential Term Elite Conversion Options

Same options as "Term Essential" except you get a conversion credit the 1st 5 years of the policy. The conversion credit allows you to apply the term life insurance premiums you paid during the 12 months prior to the conversion. Conversions processed before the first policy anniversary will be prorated to reflect the premiums actually paid.

prudential life insurance term essential

WorkLife 65 Conversion Options

You can convert to any permanent policy that Prudential offers up to age 65 (when the policy expires).

Prudential offers one of the most client-friendly approaches to term conversion in the industry.  Here's how they stack up to some of the other top life insurance companies on the market:

Prudential Life Insurance Conversion

If you're interested in converting your Prudential term life insurance policy or even just considering it, we encourage you to contact us. One of our team at will go over the permanent products available to you and design a policy specifically for your needs.

About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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