Accordia Life vs. Protective: Best Life Insurance Company in 2021

When comparing life insurance companies like Accordia Life vs. Protective, it is for the best that you analyze both company pricing and company ratings. Protective offers more affordable rates to both men and women of various ages. Furthermore, Protective is more well-reviewed than Accordia Life by A.M. Best. However, Accordia Life is more well-reviewed than Protective by the Better Business Bureau.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Protective Life Insurance has higher reviews from A.M. Best than Accordia Life and Annuity Company
  • Accordia Life is more well-reviewed by the Better Business Bureau than Protective Life Insurance Company
  • Protective Insurance offers more affordable rates to men of various ages than Accordia Life Insurance
  • Protective also offers more affordable rates to women of various ages than Accordia Life Insurance

Comparing life insurance companies can prove itself to be a hassle. To reduce the stress of this process, today we are only going to be focusing on Accordia Life vs. Protective.

We will cover both company pricing as well as company ratings in our Protective insurance and Accordia Life Insurance review.

Before we dive into our Accordia Life vs. Protective comparison, type your ZIP code into our tool above to find affordable life insurance quotes in your area.

Accordia Life vs. Protective: Which company offers more affordable rates to men?

When setting out to compare life insurance companies, in search of the one that suits your needs, it stands to reason that you would want to start with something important to you. For the majority of people, that would be the pricing offered by various companies.

The following table shows the rates offered to men by the largest life insurance companies, including Accordia Life vs. Principal. These rates will be for men in their 30s, 40s, 50s, and 60s for a 20-year term life policy valued at exactly one million dollars.

Sample Monthly Life Insurance Rates by Company, Product, and Age for Males
CompaniesProductAge 30 Average Monthly Rates (Male)Age 35 Average Monthly Rates (Male)Age 40 Average Monthly Rates (Male)Age 45 Average Monthly Rates (Male)Age 50 Average Monthly Rates (Male)Age 55 Average Monthly Rates (Male)Age 60 Average Monthly Rates (Male)Age 65 Average Monthly Rates (Male)Age 70 Average Monthly Rates (Male)Age 75 Average Monthly Rates (Male)Age 80 Average Monthly Rates (Male)
Accordia LifeTerm Life$16.91N/A$23.36N/A$56.07N/A$128.84N/AN/AN/AN/A
ANICOSignature Term$12.53$12.96$15.98$22.68$31.75$47.30$76.25$132.19$227.88NANA
AssurityTerm Life$16.31$16.31$21.32$28.49$43.07$62.64$100.05$153.99$245.78$465.67NA
BannerOPTerm$12.68$13.33$17.71$22.10$32.90$45.99$73.81$123.03$211.06$399.22NA
CincinnatTermsetter$13.42$14.96$18.70$22.88$32.56$49.50$78.98$140.36$257.40$456.94NA
Fidelity LifeTerm Life$19.14NA$25.01NA$54.59NA$73.92NANANANA
John HancockVitality Term$14.09$14.24$16.96$22.14$28.41$43.04$68.14$117.04$245.79$455.46$849.79
Liberty MutualTerm Life$31.73N/A$35.55N/A$40.32N/A$95.58N/ANANANA
Lincoln NationalTerm Accel$12.34$12.63$15.22$21.84$30.96$46.75$71.95NANANANA
MassMutualVantage Term$13.28$13.48$16.98$24.58$35.03$53.50$82.65$147.03$256.00$478.08NA
Minnesota LifeAdvantage Elite$13.46$13.99$17.95$25.87$36.56NANANANANANA
Mutual of OmahaTerm Life Answers$13.33$14.19$19.35$23.22$33.33$50.31$80.84$148.35$274.13$525.68$908.38
Nassau LifeTerm Life$17.43NA$26.15NA$51.69NA$119.78NANANANA
NationwideYourLife$13.56$13.56$16.41$22.97$32.59$47.91$86.41$152.03$260.97NANA
North AmericanADDvantage$12.98$13.20$16.50$22.88$31.90$48.40$77.44$133.98NANANA
Pacific LifePromise Term$12.32$12.32$15.59$21.85$30.09$45.46$69.89$123.04$211.07$399.24$874.22
PrincipalTerm Insurance$12.69$12.69$15.80$23.05$31.15$45.65$71.97$126.66$217.44$410.99$902.78
ProtectiveClassic Choice$11.62$11.83$14.78$21.32$30.07$45.47$69.90$124.33$211.07$399.24NA
ProtectiveCustom Choice UL$11.87$12.08$15.10$21.77$31.46$47.82$73.23$131.78NANANA
PrudentialTerm Essentials$21.88$21.88$25.60$28.66$38.07$50.75$79.41$142.85$259.88$508.82NA
SagicorAccelerwriting Term$12.60$12.75$17.07$22.27$43.59$65.49$103.05$172.65$313.06$510.40NA
SBLILevel Term$11.80$12.07$14.53$20.96$31.88$48.12$75.61$129.70$225.74NANA
SymetraTerm 3.0$12.91$12.91$16.19$23.84$33.21$51.54$83.77$140.57$239.27$440.78$969.72
TransamericaTrendsetter Super$12.47$13.33$18.71$24.30$37.41$55.90$86.86$161.04$221.67$410.65$884.51
TransamericaTrendsetter LB$13.33$14.62$20.21$27.09$40.21$64.29$101.91$176.30$302.94$490.63$1,072.64
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When comparing affordable Accordia Life vs. Protective life insurance rates, you can see, that for men in their 30s, Accordia Life is over $5 more expensive per month than Protective. For men in their 40s, Protective is over $8 cheaper per month than Accordia Life.

For men in their 50s, Accordia Life is over $26 more expensive per month than Protective. Finally, for men in their 60s, Protective is nearly $60 cheaper per month than Accordia Life.

So, in short, our Accordia Life vs. Protective life insurance review shows that Protective definitely offers more affordable rates than Accordia Life to men of various ages. Let’s see if this holds true in our next section when we analyze the rates offered to women of various age groups.

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Accordia Life vs. Protective: Which company offers more affordable rates to women?

We are now going to be analyzing Accordia Life vs. Protective life insurance quotes offered to women. This table will again show multiple major life insurance companies, including Accordia Life and Protective.

Sample Monthly Life Insurance Rates by Company, Product, and Age for Females
CompaniesProductAge 30 Average Monthly Rates (Female)Age 35 Average Monthly Rates (Female)Age 40 Average Monthly Rates (Female)Age 45 Average Monthly Rates (Female)Age 50 Average Monthly Rates (Female)Age 55 Average Monthly Rates (Female)Age 60 Average Monthly Rates (Female)Age 65 Average Monthly Rates (Female)Age 70 Average Monthly Rates (Female)Age 75 Average Monthly Rates (Female)Age 80 Average Monthly Rates (Female)
Accordia LifeTerm Life$15.58N/A$20.69N/A$40.03N/A$89.25N/AN/AN/AN/A
AIGSelect-A-Term$11.07$11.54$15.19$20.23$27.41$38.05$56.86$94.95$165.86$273.97$640.78
ANICOSignature Term$11.88$12.53$14.90$19.87$27.22$37.15$55.94$84.67$147.96N/AN/A
AssurityTerm Life$11.09$13.92$17.84$23.06$34.15$49.37$72.65$112.88$182.05$336.47N/A
BannerOPTerm$10.37$11.93$14.62$19.09$27.30$40.63$63.64$118.47$191.71$357.33N/A
CincinnatiTermsetter$12.98$14.96$16.72$20.46$27.28$38.06$56.76$91.74$154.44$306.46N/A
Fidelity LifeTerm Life$16.10N/A$22.62N/A$45.68N/A$58.32N/AN/AN/AN/A
John HancockVitality Term$12.39$12.61$14.86$20.09$23.86$37.73$50.94$83.61$176.04$369.26$843.44
Liberty MutualTerm Accel$10.51$11.05$13.70$18.93$25.86$35.44$51.35N/AN/AN/AN/A
Lincoln NationalLifeElements$16.10$16.63$21.22$28.22$37.41$50.75$74.81$112.44$199.06$371.83$655.77
MassMutualVantage Term$11.98$12.63$15.23$21.98$29.15$40.25$58.73$92.45$151.38$318.85NA
Minnesota LifeAdvantage Elite$12.67$12.67$16.10$23.23$30.89NANANANANANA
Mutual of OmahaTerm Life Answers$11.61$12.90$16.56$20.21$27.31$38.27$57.19$98.47$169.42$365.50$704.13
Nassau LifeTerm Life$16.14NA$22.52NA$42.11NA$89.06NANANANA
NationwideYourLife$13.34$13.34$16.19$20.13$27.13$37.19$61.69$95.16$153.56NANA
North AmericanADDvantage$11.66$12.10$14.96$20.02$26.62$37.62$54.34$85.80$138.82$281.60NA
Pacific LifePromise Term$10.82$11.47$14.24$19.10$25.16$34.42$49.88$80.43$131.35$270.85$637.03
PrincipalTerm Insurance$11.27$11.33$14.39$19.43$25.94$35.48$51.41$79.28$128.06$272.34$655.16
ProtectiveClassic Choice$10.43$10.78$13.31$18.64$25.12$34.43$49.88$80.43$131.36$270.86NA
ProtectiveCustom Choice UL$10.79$11.01$13.59$19.62$26.29$35.77$52.26$82.27$134.16$284.43NA
PrudentialTerm Essentials$17.72$18.16$21.22$28.22$37.63$41.35$59.07$94.72$159.03$309.32NA
SagicorAccelerwriting Term$10.95$11.22$15.10$20.43$36.75$48.64$63.78$108.79$212.88$366.31NA
SBLILevel Term$10.38$10.65$13.08$18.85$26.72$36.34$53.85$90.13$161.65NANA
SymetraTerm 3.0$11.81$11.81$14.39$19.91$25.94$38.06$52.97$85.97$138.25$273.88$692.34
TransamericaTrendsetter Super$11.18$12.26$16.34$20.86$29.89$47.09$71.81$130.94$207.05$312.18$750.14
TransamericaTrendsetter LB$12.26$13.12$17.63$22.36$32.25$49.24$81.06$143.62$241.33$389.37$887.74
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As you can see, for women in their 30s, Accordia Life is over $5 more expensive per month than Protective. For women in their 40s, Protective is over $7 cheaper per month than Accordia Life.

For women in their 50s, Accordia Life is nearly $15 more expensive per month. Finally, for women in their 60s, Protective is nearly a whopping $40 cheaper per month than Accordia Life.

It seems that Protective wins again. Let’s wrap up with company ratings to see if Protective can sweep this thing.

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Accordia Life vs. Protective: Which company is more well-reviewed?

Before we wrap up for the day, we must stress the importance of company ratings from organizations such as A.M. Best and the Better Business Bureau.

A positive rating from one or both of these two rating organizations can give consumers confidence that a life insurance company has and will continue to have financial strength.

The BBB’s rating scale goes from the highest score of “A+” down to the lowest score of “F.”

As far as Accordia Life is concerned, we have some pretty good news. They received the BBB’s second-highest possible rating of “A.” With that being said, they do not hold BBB accreditation as of this time.

How did Protective do with the BBB? It turns out that Protective also doesn’t hold BBB accreditation. Furthermore, they don’t even hold a rating.

A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D.” Not to mention, they actually have two different scales.

Accordia Life received an FSR of “A-” from A.M. Best. What Financial Strength Rating did Protective receive? Protective received an even better rating of “A+” (Superior).

A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR).

Whereas their Financial Strength Ratings are about an insurer’s financial strength as well as its ability to meet ongoing policy and contractual obligations, a Long-Term ICR is focused on the future. A Long-Term ICR can be issued on a long-term basis or short-term basis.

This scale goes from the high end of “aaa” (Exceptional) down to the low end of “c”. It’s a little confusing, so the scale goes like this: “aaa,” “aa,” “a,” “bbb,” “bb,” “b,” “ccc,” “cc,” “c.” A company can also score notches in their ratings, i.e. “aa+.”

Accordia Life scored an A.M. Best Long-Term Issuer Credit Rating of “a.” What Long-Term ICR did Protective get? Again, an even better rating of “aa-,” even if it’s better by only a notch.

Should you buy Accordia Life vs. Protective life insurance? In short, you have two great options here. With that being said, Protective stands a bit above Accordia Life.

Now that you’ve finished this Accordia Life vs. Protective life insurance review, type your ZIP code into our tool below to find affordable life insurance quotes in your area.

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