The Good
Presidential Life Offers A Number of Annuity Products • Individuals Interested in Whole Life Will Find Quality Products • Presidential Life Provides Great Benefits and Insurance Options for Businesses • A.M. Best Co. Rating B+ - GoodThe Bad
Doesn’t Have An A or A+ Rating • Prices Tend To Be More Expensive Because They Don’t Offer Term • Presidential Life Insurance ReviewOverview
n/aPolicies / Plans 
Presidential Life doesn’t offer Term policies. They only offer Whole Life. While this might be the preferred insurance vehicle for some people, there are others that prefer Term or at least appreciate the ability to choose. The only insurance policies available for purchase at Presidential Life are Graded Benefit Whole Life and Simplified Issue Whole Life.
Now, Presidential Life does offer other products, amongst them annuities. Individuals will find that they are able to sign up for deferred, immediate and special annuities. Businesses will be able to sign up for group life insurance, group dental, limited medical, medical stop-loss insurance and impaired risk individual disability.
In summary, while the company offers a decent amount of products, their insurance options are a bit limited. There is a lot there for businesses and a decent offering of annuities.
Pricing / Rates 
Because Presidential Life only offers whole life insurance, their policies will be more expensive than other companies which offer Term. Term insurance is the most popular form of insurance. It’s pretty straight forward and tends to be pretty inexpensive. However, there are those people who would either like to own both types of policies - term and whole and those that prefer Whole Life. For those who fall in the latter category, Presidential Life would be a good company to consider purchasing a policy from.
Getting A Quote
In order to get a quote from Presidential Life, it is necessary to fill out and than submit a short form via the Client Service Center. Once a person does that, they will be contacted by someone from the company with a quote. An individual can also call customer service and ask for quote if they’d like.
Customer Service
Customer service offered at the company’s website is very good. Individuals will find that they are able to contact someone via telephone and email. Questions can be asked and concerns voiced using the company’s online forms. Customers, both prospective and actual will find that the customer support department is easy to talk to, responsive and more than willing to answer any questions or be of service.
Summary
The Presidential Life Insurance Company is a good option for those looking for whole life insurance. They won’t be much good to those looking for Term policies because they don’t offer them. Not everyone will want Term. Those that do not and who would like to work with a reputable company that sells a variety of Whole life insurance policies will find that Presidential is a good choice.
In addition to life insurance policies, the Presidential also offers a number of annuity products. These are perfect for those individuals looking to secure their financial future in this manner.
Businesses looking for group benefits and insurance should give Presidential some consideration. They offer a number of products which may be beneficial to ones business and employees.
Presidential has a good customer service department. Individuals that have a question of concern will be able to get in touch with the company pretty easily. They offer the “usual suspects” in terms of communication. They can be reached via telephone and email.