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: May 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

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

  • Prosperity Life has an “A-” (Excellent) A.M. Best rating
  • The average Prosperity Life burial life insurance rate for a 50-year-old woman is just $29.15 per month with a $10,000 plan
  • Prosperity Life offers a variety of life insurance policies, along with health insurance and annuity options

Choosing a life insurance policy can be an arduous process. Because there are so many life insurance companies and policies to choose from, it isn’t easy to find the best life insurance company for you.

Prosperity Life Insurance Group offers a wide variety of general life insurance policies and supplemental health and annuity options to customers all over the United States.

Before you learn more about Prosperity Life insurance, enter your ZIP code into our free online tool to see the affordable life insurance rates available to you from top companies.

What products does Prosperity Life offer?

Along with its member companies, Shenandoah Life Insurance Company, SBLI USA, and S.USA, Prosperity Life’s insurance policy range is extensive. Prosperity Life offers various life insurance policies to choose from, as well as health and annuity options.

Prosperity Life Insurance Group currently offers the following life insurance policies:

  • Final expense insurance
  • Graded death benefit term insurance
  • Income continuation term insurance
  • Renewable and convertible term insurance
  • Simple issue term insurance
  • Whole life insurance
  • Single-premium universal life insurance

Because most life insurance companies have numerous term and whole life insurance policies to choose from, it may be hard to determine which policy type works best for you.

In short, whole life insurance covers you for your entire life and builds cash value that you can use in the future if needed. Term life insurance only covers you for a set amount of time and is significantly cheaper than whole life insurance.

If you decide on a term policy and think your insurance needs might change in the future, the Insurance Information Institute recommends looking into a convertible term policy. Convertible term policies allow you to switch to a whole life insurance policy without a medical exam, in exchange for higher rates.

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How much are Prosperity Life insurance rates?

An essential part of comparison shopping is looking at your top life insurance companies’ sample rates.

Although Prosperity Life has many life insurance policies, only SBLI, one of its member companies, has term life insurance quotes currently available.

Take a look at the table below to see what you may pay for term life insurance with Prosperity Life.

SBLI Average Monthly Term Life Insurance Rates for Non-Smoking Men & Women ($100,000/20-Year)
Age of InsuredMale Average Monthly RatesFemale Average Monthly Rates
25$9.50$8.67
30$9.50$8.75
35$9.72$9.07
40$11.64$11.05
45$17.14$14.05
50$23.59$19.31
55$36.31$26.76
60$61.63$39.41
65NANA
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If you are looking for a final expense and burial insurance policy, check out the following table to see what you can expect to pay in premiums with Prosperity Life.

Prosperity Life Average Monthly Monthly Burial and Final Expense Life Insurance Rates ($10,000) for Non-Smoking Men & Women
Age of InsuredMale Average Monthly RatesFemale Average Monthly Rates
40NANA
45NANA
50$34.52$29.15
55$37.62$29.93
60$45.77$35.88
65$58.10$44.42
70$79.58$59.13
75$113.68$80.19
80$147.96$98.30
85NANA
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When looking at Prosperity Life insurance quotes, it is essential to remember that every life insurance company is different. Each one underwrites its customers based on personal health history, current habits, age, and more.

How does Prosperity Life rate financially?

Another important thing to check is a company’s overall financial stability. Esteemed rating services like A.M. Best provide accurate financial ratings for insurance companies.

Prosperity Life Insurance Group currently has an A.M. Best rating of “A-” (Excellent), showing that its financial stability is above average.

How do I contact Prosperity Life?

Usually, each company’s website includes a page you can use to initiate contact, file claims, and more. However, we’ve included some of the general contact info for Prosperity Life below to make things a little easier for you.

Prosperity Life is unique because potential and current policyholders need to contact one of its member companies directly.

If you need to contact one of Prosperity Life Insurance Group’s member companies, you can do so in the following ways:

Shenandoah Life Insurance Company

  • Phone: 800-848-5433
  • Company website
  • Postal mail:
    • Shenandoah Life Insurance Company
      P.O Box 12847
      Roanoke, VA 24029

SBLI USA

  • Phone: 877-725-4872
  • Company website
  • Postal mail:
    • SBLI USA Life Insurance Company, Inc.
      100 W. 33rd Street, Suite 1007
      New York, NY 10001-2914

S.USA

  • Phone: 866­-787­-2123
  • Company website
  • Postal mail:
    • S.USA Life Insurance Company, Inc.
      P.O. Box 1050
      Newark, NJ 07101-1050

Keep reading to learn more about the company.

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What are Prosperity Life’s history and values?

Combined with its member companies, Prosperity Life has a 100-year history of providing life insurance to customers across the United States. Prosperity and its member companies advertise that they are proud to offer service-driven life insurance policies that put policyholders’ minds at ease.

Prosperity Life: The Bottom Line

Prosperity Life is an excellent life insurance company with many years of service behind it. Including its three affiliates, Prosperity Life Insurance Group offers a wide variety of life insurance products and health and annuity products.

On top of the affordable Prosperity Life insurance rates, the company also has an excellent A.M. Best rating, meaning it is financially dependable if you need to file a claim.

Although Prosperity Life is a good and reputable company, it’s always a good idea to compare it with other companies before deciding.

Not yet ready to buy Prosperity Life insurance? Enter your ZIP code into our free online tool for instant life insurance quotes from companies in your area.