Protective vs. Pacific Life insurance

Learn the differences between the life insurance options offered by Protective and Pac Life.

Pat Howard 1600


Pat Howard

Pat Howard

Property and Casualty Insurance Expert

Pat Howard is a senior editor at Policygenius specializing in property and casualty insurance. His work has been featured on Property Casualty 360, Fatherly, MarketWatch, and more.

Published July 9, 2018|2 min read

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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.

Pacific LifeProtective
MaleAge 30$20.84$20.21
Age 40$29.59$28.38
Age 50$77.09$75.68
FemaleAge 30$19.18$17.63
Age 40$26.68$25.94
Age 50$61.67$55.47

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.

Pacific LifeProtective
Cancer Survivor/Family HistoryExcellentGood
Recent Weight LossGoodGood
Heart AttackGoodGood
Sleep ApneaExcellentGood
Former Tobacco UseFairFair
High Blood PressureFairGood
High CholesterolExcellentGood

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

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Need help deciding?

Let our insurance afficianodos help you make the right choice between Protective and Pacific Life based on you and your family's needs.

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.

Pacific LifeProtective
Child Protection RiderXX
Accelerated Death Benefit RiderXX
Accidental Death Benefit Rider X
Disability Waiver of Premium RiderXX

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.

Pacific LifeProtective
A.M. BestA+A+
J.D. PowerN/A3 out of 5

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.