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Protective vs. Pacific Life insurance
Learn the differences between the life insurance options offered by Protective and Pac Life.
Published July 9, 2018
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 Life | Protective | ||
|---|---|---|---|
| Male | Age 30 | $20.84 | $20.21 |
| Age 40 | $29.59 | $28.38 | |
| Age 50 | $77.09 | $75.68 | |
| Female | Age 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 Life | Protective | |
|---|---|---|
| Cancer Survivor/Family History | Excellent | Good |
| Recent Weight Loss | Good | Good |
| Heart Attack | Good | Good |
| Diabetes | Good | Good |
| Sleep Apnea | Excellent | Good |
| Former Tobacco Use | Fair | Fair |
| High Blood Pressure | Fair | Good |
| High Cholesterol | Excellent | Good |
Learn more about the best life insurance companies for every scenario.
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 Life | Protective | |
|---|---|---|
| Child Protection Rider | X | X |
| Accelerated Death Benefit Rider | X | X |
| Accidental Death Benefit Rider | X | |
| Disability Waiver of Premium Rider | X | X |
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 Life | Protective | |
|---|---|---|
| A.M. Best | A+ | A+ |
| J.D. Power | N/A | 3 out of 5 |
| BBB | A+ | A+ |
Compare life insurance companies
Find more head-to-head comparisons between top-rated life insurance companies to help you make the right decision.
| Pacific Life vs... | Protective vs... |
|---|---|
| AIG | AIG |
| Banner Life | Banner Life |
| Lincoln Financial | Mutual of Omaha |
| Mutual of Omaha | Prudential |
| Prudential | |
| Transamerica |
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.
Pat Howard
Insurance Expert
Pat Howard is an Insurance Editor at Policygenius in New York City, specializing in homeowners insurance. He has been featured on Property Casualty 360, MSN, and more. Pat has a B.A. in journalism from Michigan State University.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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