Protective and Pacific Life are two of the largest life insurance companies on the market, with well over 1,000,000 policyholders nationwide. Both have been given exceptional consumer grades and offer competitive term life insurance rates.

So how should one go about choosing between the two? We recommend starting with a cost and rider comparison, as well as a consumer ratings comparison to accurately gage which is best for you.

Protective vs Pacific Life term life insurance cost comparison

If you’re looking for the most affordable life insurance option, here are the average monthly premiums for Pacific Life and Protective term life insurance policies.

Average premium cost based on $500,000/20-year term life insurance policies for healthy, nonsmoking applicants in California

Protective vs Pacific Life health pricing

Life insurance companies determine your premiums largely on your recent health as well as your health history. Depending on the company, some are more lenient than others.

Learn more about the best life insurance companies for every scenario.

Protective vs Pacific Life insurance rider availability

Riders allow you to customize your life insurance policy so that it fits your specific needs. But not every carrier offers every rider. Here are the riders offered by Protective and Pacific Life.

Learn more about life insurance riders.

Protective vs Pacific Life company ratings

Ratings agencies often feature different rating criteria, so it’s important to understand how each one functions. A.M. Best focuses on the financial strength of the company in, while J.D. Power rankings are based on customer service surveys. The Better Business Bureau (BBB) gives letter grades based on consumer feedback.

Compare life insurance companies

Find more head-to-head comparisons between top-rated life insurance companies to help you make the right decision.

Choosing the right life insurance company

So which life insurance company is right for you? Do you give the edge to Protective or Pacific Life? Well, it often dependant on the individual and what is most important to them. Be it cost, riders, health considerations, or customer service, all of these are important to consider before you buy.

Ready to begin your search and start looking for the best policies that Protective, Pacific Life, and other top life insurance companies have to offer? Try out our coverage calculator to find plans and companies tailored to your needs.