Prudential vs. State Farm?

Hi all,

My wife and I have been looking around for term life insurance policies, and have come down to State Farm and Prudential as the two potential places to go with. Had a really, really nice interaction with the State Farm folks where I got nice PDFs of estimates, and a "just fine" interaction with Prudential where they just stated the price ranges on the phone with me.

State Farm came back around $10-$15/mo more than Prudential across the various health/classification ranges, but we won't really know until we get underwritten, as you all likely know.

Do folks have any opinions on either of these companies? From what I've seen, State Farm has an A++ financial rating and Prudential has an A+, but I assume an A+ is just fine?

With Prudential being cheaper, is there any reason NOT to go with them? I've been rooting for State Farm based on the interaction, but are they just generally the same anyway once you sign on? Is it worth going through the process with BOTH companies to see where we truly end up with in terms of costs, since both have said they'd refund the first month's premium if we don't end up going with them?

Thanks so much for the help and advice!

submitted by /u/HammerOGrabthar
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