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

In a comparison of American National vs. Protective life insurance, both offer term, whole, and universal policies. Protective includes more rider options, and both companies offer policyholders the option of using a mobile app to review policies, make insurance claims, and check a claim's status. Finding affordable American National or Protective life insurance is possible, though American National doesn't offer quotes online.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Aug 9, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • American National and Protective offer term, permanent, and universal life insurance policies
  • American National does not make rates available online
  • Protective life insurance rates vary based on several different factors

If you are searching for life insurance, you may be interested in comparing American National vs. Protective life insurance companies. American National and Protective life insurance offer a variety of life insurance coverage options to policyholders.

American National whole life insurance and term life insurance are just two of the many options the company offers. The Protective life insurance company offers term and permanent life insurance coverage.

Before you buy American National or Protective life insurance, be sure to compare multiple companies to find the rates and coverage options that work best for you.

Before starting our American National vs. Protective life insurance review, use our free tool above to find car insurance options near you.

How much are American National and Protective rates?

When deciding whether to buy American National or Protective life insurance, insurance rates are a top concern for most individuals. Getting a direct comparison of American National vs. Protective life insurance quotes may be difficult, however.

American National insurance quotes are not available online. American National’s company policy dictates that potential customers can only access insurance quotes if they speak to an insurance agent.

Because of this, it’s a bit more challenging to compare American National vs. Protective life insurance rates. Like most companies, rates for American National life insurance vary based on several different factors, including a person’s:

  • Age
  • Gender
  • Health history
  • Occupation
  • Location

All of the factors above have the potential to impact your life insurance rates for both American National and Protective life insurance.

With Protective, the average scale for a 10-year, $500,000 term life insurance policy for both smokers and non-smokers is as follows:

Protective Term Life Insurance Average Monthly Rates for $500,000 and 10 Years
Policyholder Age & Tobacco UseAverage Monthly Rates
– Male
Average Monthly Rates
– Female
25-Year-Old Non-Smoker$13.94$11.97
35-Year-Old Non-Smoker$14.26$13.00
45-Year-Old Non-Smoker$28.26$24.65
55-Year-Old Non-Smoker$69.32$51.75
65-Year-Old Non-Smoker$196.38$122.58
25-Year-Old Smoker$76.93$65.45
35-Year-Old Smoker$83.73$70.98
45-Year-Old Smoker$215.05$153.00
55-Year-Old Smoker$436.05$337.88
65-Year-Old Smoker$1,083.75$766.70
Get Your Rates Quote Now

Compare RatesStart Now →

With most life insurance policies, it is typical for men, older individuals, and smokers to pay more per month. Rates for life insurance will also be impacted by the type of policy and the length of time the policy is active.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

What coverage options are available with American National and Protective?

American National offers term and whole life insurance. In addition, the company offers a few different options for universal life insurance, including:

  • Universal life – Offers more flexibility in monthly payments and overall payout amounts than a whole life insurance policy
  • Indexed universal life – A universal life policy that is tied to a particular stock index
  • Guaranteed universal life – Coverage that allows you to choose and change the guarantees you want

Protective life insurance company offers term, whole, and universal life insurance as well. Where some companies offer term policies for only 10-30 years, Protective offers the option to purchase a term life insurance policy for up to 40 years.

You may be curious whether you should get a term or permanent (whole or universal) life insurance policy. You will only be able to answer this question after evaluating your age, individual and family goals, and future needs as best you can.

The good news is both American National and Protective offer a variety of policies that may appeal to you whether you choose term or permanent life insurance coverage.

What riders do American National and Protective offer?

American National and Protective life insurance companies offer a few different life insurance riders, which include:

American National and Protective Life Insurance Riders
Rider TypeDescriptionOffered with American NationalOffered with Protective
Accelerated Death BenefitThis rider will allow the death benefit to be paid out before the insured party’s death.
YesYes
Accidental Death BenefitThis rider will increase the death benefit if the death is a result of an accident. It may also provide benefits for those who lose a limb.NoYes
Children's TermThis rider offers coverage for your children until they turn 25 years of age.YesYes
Disability IncomeThis rider will pay the owner of the policy if they become disabled while their life insurance policy is in effect.
YesYes
Guaranteed InsurabilityThis rider will pay for an insured party whose health declines substantially after they have their policy and need to access additional life insurance.
NoYes
Return of PremiumThis rider will allow your premiums to be returned to you in full at the end of your term or your beneficiaries will be paid the entire premium amount upon your death. You will pay marginal premiums during the term.
NoYes
Get Your Rates Quote Now

Compare RatesStart Now →

Life insurance riders — such as accidental death coverage — offer benefits or amendments to the basic terms different policies provide. In most cases, life insurance riders increase life insurance rates.

Do American National and Protective life insurance have mobile apps?

Both American National and Protective offer mobile apps to make everything more convenient.

Using your Protective or American National insurance login, you can review and update your life insurance policy, make a claim, and check on the status of a claim.

Now that you’ve finished this American National vs. Protective life insurance review, enter your ZIP code below to compare life insurance rates from the best companies in your area.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. BBB