Assurity vs. Protective: Best Life Insurance Company in 2021

In a comparison of Assurity vs. Protective life insurance companies, Protective came out on top. In analyzing Assurity vs. Protective life insurance rates, it was apparent that Protective offers more affordable rates to both men and women of various ages. Furthermore, Protective holds a higher rating from A.M. Best than Assurity.

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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: Aug 26, 2021

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Quick Facts

  • Protective offers more affordable rates to men of various ages than Assurity
  • Protective offers more affordable rates to women of various ages than Assurity
  • A.M. Best gave a higher rating to Protective over Assurity

One factor that makes comparing life insurance companies difficult is the sheer number of options to choose from. To simplify matters, we will be focusing on Assurity vs. Protective life insurance companies today.

Our John Hancock and Assurity life insurance review will cover the term life insurance rates offered to men and women of various ages as well as the ratings provided by A.M. Best and the BBB.

Before we dive into our Assurity vs. Protective life insurance comparison, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable life insurance quotes in your area.

Assurity vs. Protective: Which company offers more affordable term life insurance rates to men?

The simplest place to start when comparing two companies are rates. Let’s take a look at a table that compares the term life insurance rates offered to men by various major insurance companies:

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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How easy is it to find affordable Assurity vs. Protective life insurance quotes? As you can see, for men in their 30s, Assurity life insurance quotes are nearly $5 more per month.

How about for men in their 40s? For this category, Assurity is about $6.50 more expensive per month than Protective.

Is Assurity the more expensive company for men in their 50s and 60s? For men in their 50s, Protective is over $13 cheaper per month.

Lastly, for men in their 60s, Protective is about $31 cheaper per month for a term life insurance policy.

In short, our Assurity vs. Protective Life Insurance review has shown us that Protective offers more affordable rates to men of various ages than Assurity. Let’s move on and see if this holds true for females’ rates.

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Which company offers more affordable term life insurance rates to women?

Let’s now take a look at a table that compares the monthly life insurance rates offered to women of various ages by major insurers including Assurity 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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Is Assurity again the more expensive company? For women in their 30s, Assurity is more expensive, but it’s by less than $1. Women in their 40s, however, will be paying over $4 more per month with Assurity.

How about women in their 50s and 60s? For women in their 50s, Protective is nearly $8 cheaper per month than Assurity. Lastly, for women in their 60s, Assurity is more expensive by over $20 per month.

In short, Protective offers more affordable rates all around. Let’s wrap up with Assurity vs. Protective life insurance reviews and see if the latter can sweep our comparison.

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

Let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

A.M. Best’s Financial Strength Ratings are a great way for individuals to determine whether or not a particular insurer will be able to fulfill their needs now and into the future.

Assurity received a rating of “A-” (Excellent), which is in the second-highest rating tier.

What was the Protective Life Insurance rating from A.M. Best? Protective received an even better rating of “A+” (Superior).

The Better Business Bureau is another organization that can provide security in one’s choice of insurance provider.

Assurity received the Better Business Bureau’s highest rating of “A+.” Furthermore, Assurity received Better Business Bureau accreditation.

How did Protective fare in comparison? Protective received the same rating of “A+,” but it lacks BBB accreditation.

In short, it was a landslide victory for Protective. The company offers more affordable rates to men and women of various ages and also holds a higher rating from A.M. Best.

We hope you’ve learned all you needed to decide whether to buy Assurity vs. Protective life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.

Frequently Asked Questions: Assurity vs. Protective

What follows are a few commonly asked questions about these two companies.

#1 – Can I get life insurance without a medical exam?

Yes, but you will have to go to certain companies to get approved without a medical exam and there’s a chance that your rates will be slightly elevated for this convenience (considering the company does not know whether or not you are high-risk).

#2 – How can I access my Protective life insurance policy?

You can view your policy on the app with your Protective Life Insurance login information.

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