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Prudential vs. Protective Life

When these insurers go head to head, the key differences lie in their policy lineups.

Both insurers are industry giants with the financial ratings and reputations to back it up. But they offer slightly different policies and riders.

Life insurance products with Prudential and Protective Life

Prudential
Protective Life
Term
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Whole
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Universal
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Variable
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Variable universal
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Indexed universal
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Final expense
Final expense
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Costs

Your premium is a product of your age, gender, occupation and lifestyle. These insurers have similar price points, though you may be charged a higher premium with Prudential.

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

GenderAge
Prudential
Protective Life
Male20
$24.28
$15.96
Male30
$23.41
$15.96
Male40
$28.87
$21.80
Male50
$54.47
$48.32
Male60
$158.59
$123.30

GenderAge
Prudential
Protective Life
Female20
$17.50
$12.99
Female30
$19.25
$13.49
Female40
$23.41
$18.55
Female50
$44.41
$37.56
Female60
$108.28
$89.23

*Based on sample rates from Policygenius, August 2019.

Policy riders

With both insurers, you can add riders to your policy to bridge gaps in your coverage. While they each offer a comprehensive set of riders, Prudential focuses more on living benefits.

Prudential Riders

  • Waiver of premium rider
  • Accelerated death benefit rider
  • Accidental death benefit rider
  • Serious illness rider
  • Estate planning rider
  • Cash value rider
  • Disability income rider
  • Additional death benefit rider

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

Financial strength

An insurer’s financial strength rating reveals its claims paying ability. Prudential and Protective Life score top ratings with the major agencies, which means they have the funds to pay out claims for the foreseeable future.

In J.D. Power’s latest life insurance study on customer satisfaction, Protective Life ranked seventh of 23 insurers surveyed, and Prudential followed in eighth place.

Prudential
Protective Life
A.M. BestA+ (Superior)A+ (Superior)
Moody’sAa3 (High quality)A1 (Good)
Standard & Poor’sAA- (Very strong)AA- (Very strong)
FitchAA- (High quality)A+ (Very high quality)
J.D. Power3 out of 5 circles or “about average”4 out of 5 circles or “better than most”

Customer reviews and reputation

Protective Life has an A+ rating with the Better Business Bureau (BBB) for the way it engages with customers. The BBB records 51 complaints in the past three years though, with many people complaining about communication issues. Customers award the company 2 out of 5 stars.

Prudential has an D- rating with the Better Business Bureau while it’s in the process of resolving complaints, and it’s earned 1 out of 5 stars with customers. The BBB files 69 complaints in the past three years, most of which related to billing issues and the claims process.

Bottom line

These insurers have similar rates, riders and reputations. The main difference comes down to the policy options. They offer a range of term and permanent policies, but Prudential sells survivorship over whole life insurance.

To find the insurer that best meets your needs, compare life insurance providers.

Compare life insurance providers

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Sproutt
18 - 60 years old
$50,000
$4,000,000
5, 10, 15, 20, 25 and 30 years
No
Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
Policygenius
18 - 85 years old
$50,000
$10,000,000
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Bestow
18 - 60 years old
$50,000
$1,500,000
10, 15, 20, 25, 30 years
No
Get a quote in less than 10 minutes with on-the-spot approval and no medical exam.
Everyday Life
20 - 75 years old
$100,000
$10,000,000
10, 15, 20, 25, 30, 35 and 40 years.
No
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
Ladder
20 - 60 years old
$100,000
$8,000,000
10, 15, 20, 25 or 30 years
Depends on policy
Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.
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