Prudential vs. Protective life insurance

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

Pat Howard 1600


Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Published August 3, 2018 | 2 min read

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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 vs. Protective term life insurance cost comparison

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.

MaleAge 30$34.20$20.21
Age 40$43.65$28.38
Age 50$88.65$75.68
FemaleAge 30$27.90$17.63
Age 40$38.70$25.94
Age 50$76.95$55.47

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

Prudential vs. Protective health pricing

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 HistoryFairGood
Recent Weight LossExcellentGood
Heart AttackGoodGood
Sleep ApneaExcellentExcellent
Former Tobacco UseExcellentFair
High Blood PressureGoodGood
High CholesterolExcellentGood

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

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Prudential vs. Protective insurance rider availability

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 RiderXX
Accelerated Death Benefit RiderXX
Accidental Death Benefit RiderXX
Disability Waiver of Premium RiderXX

Learn more about life insurance riders.

Prudential vs. Protective company ratings

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?

A.M. BestA+A+
J.D. Power3 out of 53 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

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.