Cost & Coverage
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Learn the differences between the life insurance options offered by Prudential and Protective.
Prudential and Protective are two of the leading life insurance companies in America. Both have over 1,000,000 policyholders nationwide, good consumer grades, and offer competitive term life insurance rates.
So why a company comparison? Isn’t a simple policy comparison sufficient? Well, yes and no. Deciding to go with a company solely based on its policy offerings is quick and informative, but it doesn’t tell the whole story.
How fiscally strong a carrier is, the ratings it receives from consumers and consumer insights agencies, and how likely the company is to pay out your death benefits are all significant factors in deciding on a policy.
Prudential term life insurance premiums are higher across the board for men and women than plans offered by Protective. Here are average monthly premium costs for price-conscious shoppers looking for the most affordable plan.
Average premium cost based on $500,000/20-year term life insurance policies for healthy, nonsmoking applicants in California.
Life insurance companies will base your premium rate on your current state of health and your health history, so if cancer runs in your family or you recently had a kidney replacement, companies may be less lenient for those conditions than others.
Here’s how Prudential and Protective grade out for the most commonly scrutinized health conditions and habits in life insurance.
|Cancer Survivor/Family History||Fair||Good|
|Recent Weight Loss||Excellent||Good|
|Former Tobacco Use||Excellent||Fair|
|High Blood Pressure||Good||Good|
Learn more about the best life insurance companies for every scenario.
Need help deciding?
Let our experts help you make the right choice between Prudential and Protective based on your family’s financial needs.
If you’re not satisfied with the standard provisions of a life insurance policy, you can customize it with riders to suit your needs. Here’s a comparison below of the riders offered by both Prudential and Protective.
|Child Protection Rider||X||X|
|Accelerated Death Benefit Rider||X||X|
|Accidental Death Benefit Rider||X||X|
|Disability Waiver of Premium Rider||X||X|
Learn more about life insurance riders.
Life insurance companies can be ranked in several different ways. A.M. Best provides ratings based on the financial strength of the company, while J.D. Power conducts surveys based on customer service, product quality, and buyer behavior, and the Better Business Bureau (BBB) provides grades based on consumer feedback.
How do Prudential and Protective compare in financial and customer service ratings?
|J.D. Power||3 out of 5||3 out of 5|
Find more head-to-head comparisons between top-rated life insurance companies to help you make the right decision.
Based on all the information provided, is Prudential the right life insurance company for you, or is it Protective? It really depends on your individual situation and what your needs are. It may boil down to the policy’s cost, your health considerations, rider availability, customer service, or something we haven’t mentioned yet. Bottom line, there might not be a one-size-fits-all life insurance company, but there is a company out there for you and your individual needs.
Ready to start looking at policies from Prudential, Protective, and other top life insurance companies? Use our coverage calculator for find plans and companies tailored to your needs.
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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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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