Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 9, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Prudential Insurance premium rates are more affordable than those offered by Accordia Life and Annuity Insurance Company
  • Prudential has a higher rating from A.M. Best than Accordia Life and Annuity Company
  • Accordia Life and Prudential Life both offer multiple forms of life insurance coverage to choose from

There are plenty of choices out there if you’re looking for a life insurance provider. To simplify things, we’ll be focusing on Accordia Life vs. Prudential today.

Our Accordia Life vs. Prudential Life Insurance Company review will go over the companies’ pricing, forms of coverage, and ratings.

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

Accordia Life vs. Prudential: Which company offers more affordable rates?

There are so many different things to consider when comparing life insurance companies, but going overpricing is a great place to start.

Let’s look at a table that compares major insurers’ rates for men of various ages. This is for a 20-year term life policy valued at $250,000.

Term Life Insurance Average Monthly Rates (Male, 20-Year Term, $250,000 Policy)
 CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly RatesAge 60 Average Monthly Rates
 Protective $13.12 $17.85 $41.50 $111.59
 Banner $13.33 $19.26 $40.85 $111.13
 AIG $13.54 $19.38 $42.73 $114.74
 Foresters $13.56 $18.81 $42.66 $114.84
 Lincoln$13.56 $18.38 $46.55 $190.53
 Mutual of Omaha $13.56 $20.08 $46.55 $134.05
 Principal $14.66 $19.03 $42.61 $110.03
 SBLI $14.79 $21.67 $51.68 $147.70
 Accordia Life $16.91 $23.36 $56.07 $153.53
 Prudential $20.34 $24.50 $45.50 $128.84
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How easy is it to find affordable Accordia Life vs. Prudential life insurance quotes?

Looking at Accordia Life vs. Prudential life insurance rates for men in their 30s, you can see that Prudential is about $4 more per month.

Rates are tied for men in their 40s while men in their 50s pay $11 more with Accordia Life.

Finally, for men in their 60s, Accordia Life is a whopping $25 more per month. In short, Prudential offers more affordable rates than Accordia Life.

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What forms of coverage do these companies offer?

You might be looking for a specific form of life insurance coverage, or maybe you’re not quite sure what kind of coverage you need.

Further complicating matters is the fact that not all life insurance companies offer the same forms of coverage.

Prudential offers term, universal (whole), indexed universal, and variable universal life insurance.

Accordia Life offers level premium term insurance, which guarantees that rates will remain steady throughout the length of the contract.

Accordia also offers universal life insurance (UL) should you need a guarantee of a death benefit with a minimum interest rate.

Lastly, there is indexed universal life insurance (IUI), which has an interest rate dependent upon the movement of the stock market.

Let’s wrap up with Accordia Life vs. Prudential life insurance reviews and see if Prudential can sweep our comparison.

Free Life Insurance Comparison

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

We’ll now look at the ratings given to these two companies by A.M. Best. These are called Financial Strength Ratings (FSR) and they give potential insured confidence in an insurer’s ability to meet their needs.

Accordia Life received a rating of “A-” (Excellent), which is the second-highest of seven rating tiers. How did Prudential fare in comparison? Prudential received an even higher rating of “A+” (Superior).

In short, with a better A.M. Best rating and more affordable pricing, Prudential easily won our comparison.

We hope we’ve given you the information you need to decide between Accordia Life vs. Prudential. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

Frequently Asked Questions: Accordia Life vs. Prudential

Still unsure if you should buy Accordia Life vs. Prudential life insurance? What follows are a few commonly asked questions about Accordia Life and Prudential.

#1 – What is the Accordia Life and Annuity Company payment address?

You can send your Accordia Life and Annuity Company payments to 215 10th Street Suite 1100 Des Moines, IA 50309-3616.

#2 – How do I make an Accordia Life Insurance online payment?

You can make Accordia Life payments on the website of its parent company: Global Atlantic Financial Group.

#3 – How do I use my Prudential insurance login?

You can use your Prudential insurance login on the company’s website or on the Prudential Retirement app.