Coverage that fits your life, and your budget.
SimplyTerm® Flex. Life insurance that's quick and painless, and can evolve with your life.
Get a quoteTwo unique features you typically won’t find anywhere else.
- Life is filled with ups and downs. We get that. With SimplyTerm Flex, you can increase your coverage amount to cover a life-changing event—like having a new baby, buying a new home, or anything else.1
- And if life throws surprise costs your way—such as medical bills or home repairs—then you can lower your premiums to just $1 a month for up to 6 months to help take pressure off your budget.2
More reasons to choose SimplyTerm Flex.
Affordable rates.
You’ll pay one low monthly rate for the length of your coverage. In most cases, coverage costs just about $1.35 a day.3 Get a quote and see for yourself.
The flexibility to make it your own.
You choose the coverage amount, from $25,000 up to $1 million, and how long you have the coverage, from 5 to 20 years.
No exams or bloodwork.4
There’s no need to get a medical exam or see your doctor. Just answer the health questions as part of the application and you’re all set.
You’ll get an answer in minutes.5
No weeks of waiting for an approval letter. Apply for coverage online and you’ll find out if you’re approved right then and there.
SimplyTerm Flex. Real protection. Real Simple.
Get a quoteFrequently Asked Questions
Term life insurance provides death benefit protection for a limited number of years, from 5 to 20 years.
How much coverage you need is a personal decision. However, you should think about how much coverage your family may need should the unexpected happen, as well as how much you can afford to pay for coverage.
The cost of policy depends on many factors. First, get a quote, which will give you an idea of what coverage will cost. If you like the quote, you can complete an application and go through underwriting. After that, you’ll receive an offer with the exact price of the coverage, which you are free to accept or reject.
Your coverage will start immediately after you accept our offer and make your first premium payment.
No medical exams means that you won’t have to undergo a medical exam or provide blood or urine samples to qualify for coverage.
Instead, we use the information provided on your application and records obtained from sources that include, but are not limited to: your primary care physician, the Medical Information Bureau, prescription history records, medical billing records, and the division of motor vehicles in your state.
If you believe that you’re having a financial hardship, then you call our customer service department and let them know that you’re experiencing a financial hardship. We require no proof of financial hardship, but the representative may ask why you’re requesting it for tracking purposes.
Once approved, we’ll reduce your monthly premium to $1 a month for six months. The six months includes any due and unpaid monthly premiums.2
Please note that if you’re currently paying for your policy annually, your payment mode will be switched to monthly while making Financial Hardship payments.
The Life Events Feature is enabled by the Additional Life Insurance Option rider.1 If you’ve had a life event (had a new baby, bought a new house, etc.) and would like more coverage, then call our customer service department. Tell the representative that you would like to increase your coverage. We require no proof of your life event, but the representative may ask why you’re requesting it for tracking purposes.
The representative will email a link to a page where you can request additional coverage up to double your current coverage amount, not to exceed $500,000. You will go through our underwriting process again, but you cannot be denied coverage based on your health status.
SimplyTerm Flex.
It’s life insurance made easy.
Footnote
1 The Additional Life Insurance Option Rider is included at no additional charge and allows the purchase of additional life insurance after the first policy year. Must have five years left on the original policy to exercise. The maximum increase amount is equal to the face amount of the original policy, not to exceed $500,000. The premium for the new policy will be based on the information provided in the application. Insured cannot be declined coverage, but they must be legal residents of the United States and the policy must be available for sale in the state in which they live; the owner must be the insured in order to use this feature. Subject to state availability. See policy documents for details. The rider form number for the Additional Life Insurance Option Rider is either RID-ALl-2024 or RID-ALI-2023, which may be followed by a state code. Not available in all states.
2 Feature may be used one time during the life of your policy. The Financial Hardship Feature is available after the policy has been put in force with the first premium payment (month two if paying monthly, year two if paying annually). This benefit is no longer available once the policy enters its final year. See policy documents for details.
3 Based on a $40.50 monthly premium for a male age 45, non-tobacco, excellent health with a $250,000 coverage amount and a 20-year term. The availability of coverage and rates will vary based on company underwriting criteria including, but not limited to, age, sex, health history, smoking status, and residency.
Underwriting rules are subject to change at our discretion.
4 Issuance of the policy will depend upon answers to health question set forth in the application and third-party data.
5 The vast majority of applicants are expected to receive instant decisions. For those not immediately approved, we may request third-party data and additional information from the applicant. Once we receive the additional information, the applicant will receive an answer within two days.
SimplyTerm Flex is issued by Pruco Life Insurance Company, a Prudential Financial company located in Newark, NJ. The policy form number is SIMPLTF-2024 or SIMPLT-2023. Product is not available in all states.
• Not FDIC insured • Not insured by any federal government agency
• Not a deposit or other obligation of, or guaranteed by, any bank or its affiliates
• Subject to investment risks, including possible loss of the principal amount invested
For Compliance Use Only: 1073801-1
For Compliance Use Only: 1073801-00002-00