Protective Term Life Insurance

Company Review by Quotacy

Quotacy’s Review of Protective

Protective’s eco-friendly, paperless process is the best in the industry.

Protective is excellent for

  • Accelerated Underwriting
  • ADHD
  • Healthy Individuals
  • Heart Health (Heart Valve)

To stand out in a competitive industry, most insurers like Protective focus on serving health or lifestyle niches.

» Learn more: Quotacy’s Full Review of Protective

Benefits of choosing Protective

  • Offers a 25-year term policy.
  • Can be converted into a permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Your medical exam can be done at home or work.
  • You can review your medical exam results upon request.
  • Policy is delivered electronically.
  • You can manage your policy online.

Who’s Quotacy?

We’re trusted life insurance brokers & advisors

Since 1990, we’ve served over 29,600 clients with expertise and care and have helped our customers protect their families with over $22 billion in coverage.

Quotacy is backed by Hallett Financial Group, Inc., a brokerage general agency, with deep industry experience and top-level partnerships with the best life insurance companies in the nation.

» Meet our team

Get your Protective quote now

Go from quote to getting covered in 5 minutes, all online.

How Does Protective Compare?

Sample term life insurance quotes

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Company Male Female
Age 30 Age 40 Age 50 Age 60 Age 70 Age 30 Age 40 Age 50 Age 60 Age 70


$19.55 $29.84 $73.44 $212.53 $839.83 $16.67 $25.26 $56.43 $159.45 $660.60


$21.38 $29.93 $73.53 $228.29 N/A $18.38 $27.36 $58.14 $159.46 N/A

Banner Life

$19.43 $32.42 $72.67 $226.95 $790.62 $16.32 $24.60 $56.83 $155.12 $709.75


$26.25 $39.16 N/A N/A N/A $19.58 $31.25 N/A N/A N/A

Cincinnati Life

$20.68 $33.88 $74.36 $225.28 N/A $17.60 $29.92 $62.48 $166.76 N/A

Haven Life

$22.48 $32.38 $84.06 $230.90 N/A $19.46 $28.07 $61.66 $156.84 N/A

John Hancock

$27.71 $32.11 $74.56 $208.06 N/A $25.06 $28.31 $64.51 $170.11 N/A

Lincoln Financial

$28.44 $39.72 $78.71 $207.17 $813.87 $23.92 $31.24 $59.46 $146.69 $726.16

Securian Financial

$22.42 $31.18 $87.12 $235.40 N/A $18.48 $26.84 $62.04 $153.12 N/A

Pacific Life

$19.72 $29.66 $71.91 $206.51 N/A $16.70 $25.07 $55.93 $142.56 N/A


$19.87 $29.34 $72.30 $203.63 N/A $16.81 $25.28 $56.24 $145.16 N/A


$19.44 $29.09 $71.46 $201.02 N/A $16.32 $24.65 $55.59 $141.64 N/A


$35.00 $43.31 $87.94 $265.56 N/A $28.00 $39.38 $77.00 $182.44 N/A


$19.87 $31.30 $83.33 $274.74 N/A $17.05 $24.62 $60.41 $165.73 N/A

United of Omaha

$23.87 $37.20 $92.67 $273.70 N/A $20.43 $31.61 $69.02 $189.42 N/A

US Life

$20.76 $30.27 $76.55 $221.87 $924.25 $18.16 $27.24 $58.82 $161.32 $636.77

William Penn

$19.71 $32.30 $72.76 $208.20 $800.01 $16.90 $25.11 $56.59 $151.06 $729.71



Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender (except in Montana). Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of July 2020.





Protective Policy Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider


This rider—also known as a Terminal Illness Accelerated Death Benefit Endorsement—is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit, if you are diagnosed with a terminal illness resulting in six months or less to live.

Accidental Death Benefit Rider

*Available at additional cost

Your policy’s beneficiary will receive an increased death benefit with this rider, if you die due to an accident. Cost varies by age and benefit amount with options ranging from $1,000 to $250,000—not to exceed policy face amount.

Child Rider

*Available at additional cost

For a small annual fee, add a child rider that covers your children under age 18. Options range from $1,000 to $20,000 in coverage per child. Ask your Quotacy agent for details.


Premium Waiver for Disability

*Available at additional cost

Protective will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

Why Buy Protective from Quotacy?

Save time & money. Let us do your comparison shopping.

More policy options

Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

Get what's right for you

Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

We're transparent

We value transparency as much as you do. Everything we know about life insurance, we'll share with you so you're making informed decisions from quote to covered.

Spend less time shopping

No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

Our focus is on you

As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $22 billion in coverage. That's a lot of happy customers.

Get your Protective quote now

Go from quote to getting covered in 5 minutes, all online.