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Protective Life vs. Pacific Life: Which is better?

Both insurers have competitively priced policies, but one’s more customizable than the other.

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Backed by financial strength, these insurers have similar product lineups and price points. They share a few common riders, though Protective Life’s policyholders have more riders to choose from.

Life insurance products with Protective Life and Pacific Life

Protective Life
Pacific Life
Variable universal
Indexed universal
Final expense
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The rate you’re offered reflect your age, gender, occupation and lifestyle. Protective Life and Pacific Life are budget-friendly insurers, with a minimal price difference between them.

If you’re a healthy nonsmoker, here’s an idea of what you might pay for a $250,000, 20-year term life policy.

Protective Life
Pacific Life
Protective Life
Pacific Life

*Based on sample rates from Policygenius, August 2019.

Policy riders

Protective Life Riders

  • Waiver of premium rider
  • Accelerated death benefit rider
  • Accidental death benefit rider
  • Child rider
  • Disability income rider
  • Term insurance rider
  • Guaranteed insurability rider

Pacific Life Riders

  • Waiver of premium rider
  • Accelerated death benefit rider
  • Conversion rider
  • Child rider
  • Long-term care rider

Financial strength

An insurer’s financial strength is important because your beneficiaries might not file a claim for years or decades to come. Protective Life and Pacific Life score high ratings with the major agencies, so you can assume they have the funds to pay claims in the foreseeable future.

In J.D. Power’s latest life insurance study on customer satisfaction, Protective Life ranked seventh of 23 insurers surveyed, and Pacific Life wasn’t far behind in spot nine.

Protective Life
Pacific Life
A.M. BestA+ (Superior)A+ (Superior)
Moody’sA1 (Good)A1 (Good)
Standard & Poor’sAA- (Very strong)AA- (Very strong)
FitchA+ (Very high quality)AA- (High quality)
J.D. Power4 out of 5 circles or “better than most”3 out of 5 circles or “about average”

Customer reviews and reputation

Protective Life isn’t accredited with the Better Business Bureau (BBB), but it has an A+ rating for its customer service and interaction. The BBB records 80 complaints in the past three years, with many complaints about communication issues and slow claims processes. Customers award Protective Life 1.5 out of 5 stars — but keep in mind this reflects the company as a whole, not just its life insurance department.

Pacific Life has an A- rating from the BBB, and earns 1 out of 5 stars with customers. There are three complaints on the site, which is low for an insurance company of this size.

Bottom line

Both insurers offer low rates and product lineups made up of term and permanent policies. But when it comes to customizing your coverage, Protective Life offers some of the less common riders, such as a disability income rider.

To find the strongest possible policy, compare life insurance companies.

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