American Amicable vs. Protective: Best Life Insurance Company in 2021

When comparing American Amicable vs. Protective, Protective has cheaper rates for both men and women. Protective also has a higher A.M. Best rating at an A+ than American Amicable's A rating. American Amicable claims can't be filed online, but you can get start Protective insurance claims on the company website.

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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: Jun 9, 2021

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Quick Facts

  • Protective life insurance rates are lower than American Amicable rates
  • Protective has a higher A.M. Best rating
  • Both companies have an A+ rating with the Better Business Bureau, but American Amicable is accredited and Protective is not

When it comes to life insurance, there are numerous companies to choose from, and comparing them side by side is the most effective approach to making a selection. We’ll compare American Amicable vs. Protective life insurance companies to see which is the best option for you.

Both American Amicable and Protective offer term and permanent life insurance options, as well as other products. Before you choose between American Amicable vs. Protective life insurance, shop around and compare rates, ratings, and products.

You don’t have to limit your selection to just American Amicable vs. Protective. Compare other companies to find the one that best suits your needs.

Keep reading to learn more about American Amicable and Protective. Enter your ZIP code now to compare life insurance quotes from multiple companies near you today.

American Amicable vs. Protective: Which company offers more affordable rates to women?

Multiple factors are used to determine your life insurance rates, including your age, gender, medical history, and habits.

The average monthly American Amicable vs. Protective life insurance rates for non-smoking women of different ages are shown in this table.

American Amicable and Protective Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAmerican Amicable Average Monthly Rates Protective Average Monthly Rates
25$11.88$8.13
30$12.15$8.13
35$13.41$8.76
40$16.20$10.08
45$21.06$13.21
50$28.08$18.06
55$38.61$24.72
60$59.40$36.41
65$100.17$63.10
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Protective life insurance rates are lower for women of all ages, but the rates do increase significantly as you age. You will also pay higher rates if you smoke or have certain medical conditions.

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American Amicable vs. Protective: Which company offers more affordable rates to men?

Now we’ll compare the average monthly rates from American Amicable and Protective for men.

American Amicable and Protective Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAmerican Amicable Average Monthly Rates
Protective Average Monthly Rates
25$14.67$8.89
30$14.40$8.92
35$15.57$9.36
40$19.98$11.22
45$27.99$15.84
50$39.06$21.93
55$57.51$33.19
60$88.47$52.41
65$136.80$97.28
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Protective insurance is also the cheaper choice for men.

It might be difficult to compare American Amicable vs. Protective life insurance quotes. While you can get Protective quotes online, you will have to speak with an agent to receive American Amicable quotes.

American Amicable vs. Protective: Which company is more well-reviewed?

In addition to rates, it’s also important to consider Protective and American Amicable life insurance reviews and ratings. You need a company you can depend on, not just one with the lowest rates.

A.M. Best assesses a company’s financial wellbeing. Ratings go from A++ all the way down to D. American Amicable received an A, showing it has an excellent ability to meet financial obligations. Protective received an A+ rating, showing a superior ability to meet financial obligations.

The Better Business Bureau (BBB) rating scale goes from A+ down to F. Both companies received an A+ rating. However, American Amicable is accredited and Protective is not.

Although their ratings may be similar, each company offers different products and services.

Founded over 100 years ago, American Amicable products include term, whole, and universal life insurance, as well as final expense insurance, multiple riders, and annuities.

To request a quote or file a claim, you must speak with an agent. You can call (800) 736-7311 to speak with an agent regarding a claim.

Protective is also over 100 years old and offers term, whole, and universal life insurance options, as well as annuities, commercial mortgages, and asset protection plans.

You can get a Protective quote online. For Protective insurance claims, you can begin the process online. You can also call the Protective insurance phone number for claims at (800) 424-1592.

To learn more about each company, read our American Amicable life insurance review and our Protective life insurance review.

You’ve seen your options for affordable American Amicable vs. Protective life insurance. Compare products, rates, and ratings to decide if either company is right for you.

Remember, you don’t have to choose between American Amicable vs. Protective life insurance. There is a slew of other companies that have low-cost life insurance.

We hope you’ve learned what you needed to know about American Amicable and Protective. Enter your ZIP code now to compare life insurance quotes from companies in your area.

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