I have had Prudential Life Insurance forever. My husband has a policy and when my son was born, Prudential was the only company I called for coverage. They have policies available for people of all ages. The earlier the age you start it, the better the price options that are available. They offer many different billing options from quarterly to yearly and the cost is the same. There are no added fees if you don't want to pay for the whole year up front. They have various types of life insurance to meet everyone's needs and cost options. Customer Service Prudential customer service agents are always friendly and helpful. They are always able to answer my questions and point me in the right direction if they can not be of help personally. Available Plans Prudential has always had the best life insurance plans available. There are all different value policies available and are great for any age.