Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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 10, 2021

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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 provider and cannot guarantee quotes from any single provider.

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The Facts of Life

  • Protective is far more affordable than Accordia Life and Annuity Company
  • Both companies offer multiple forms of coverage for customers to choose from
  • Protective received a higher rating from A.M. Best

There are plenty of choices out there when it comes to life insurance providers, which can make comparison shopping difficult. To simplify things, we’ll be focusing on Accordia Life vs. Protective today.

Our Accordia Life vs. Protective life insurance company review will go over the companies’ pricing, offered forms of coverage, and company ratings.

Before we compare Accordia Life vs. Protective life insurance, type your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.

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

There are so many different things to look at when comparing life insurance companies, but analyzing company pricing is a good place to start.

Let’s look at a table that compares major insurers’ rates for men of various ages. This is for a 20-year term life policy valued at $250,000.

Term Life Insurance Average Monthly Rates (Male, 20-Year Term, $250,000 Policy)
 CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly RatesAge 60 Average Monthly Rates
 Protective $13.12 $17.85 $41.50 $111.59
 Banner $13.33 $19.26 $40.85 $111.13
 AIG $13.54 $19.38 $42.73 $114.74
 Foresters $13.56 $18.81 $42.66 $114.84
 Lincoln$13.56 $18.38 $46.55 $190.53
 Mutual of Omaha $13.56 $20.08 $46.55 $134.05
 Principal $14.66 $19.03 $42.61 $110.03
 SBLI $14.79 $21.67 $51.68 $147.70
 Accordia Life $16.91 $23.36 $56.07 $153.53
 Prudential $20.34 $24.50 $45.50 $128.84
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Is it easy to find affordable Accordia Life vs. Protective life insurance quotes?

As you can see, for men in their 30s, Accordia Life is over $3 more expensive per month. For men in their 40s, Accordia Life is nearly $6 more expensive per month.

Men in their 50s pay over $14 less per month with Protective. How about for men in their 60s? Accordia Life vs. Protective life insurance rates for this demographic show that Accordia Life is over $17 more expensive per month.

In short, Protective offers more affordable rates. Let’s move on to the forms of coverage offered by these two companies.

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What forms of coverage do these companies offer?

Perhaps you’re looking for something specific, or perhaps you’re not sure what kind of coverage you need. Further complicating matters is the fact that not all life insurance companies offer the same forms of coverage.

What forms of coverage does Accordia Life offer? It offers level premium term life insurance, which guarantees that rates will remain steady throughout the length of one’s contract.

It also offers universal life insurance (UL) should you need a guarantee of a death benefit with a minimum interest rate.

Lastly, there is indexed universal life insurance (IUI), which has an interest rate dependent upon the movement of the stock market.

What forms of coverage does Protective offer? Protective offers its own term, permanent, universal, and whole life insurance policies. Essentially, no matter which company you choose, there are products that should meet your needs.

Let’s wrap up with Accordia Life vs. Protective life insurance reviews to see if Protective can clinch a win.

Free Life Insurance Comparison

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

We’ll now look at the ratings given to these two companies by A.M. Best. These are called Financial Strength Ratings (FSR), and they give potential insured confidence in an insurer’s ability to meet its financial obligations.

Accordia Life received a rating of “A-” (Excellent), which is the second-highest of seven rating tiers. How did Protective fare in comparison? It received an even better rating of “A+” (Superior).

In short, both companies offer a wide array of coverage but Protective is cheaper and has a higher A.M. Best rating.

We hope you’ve learned everything you needed to know to choose between Accordia Life vs. Protective. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

Frequently Asked Questions: Accordia Life vs. Protective

Still not sure if you should buy Accordia Life vs. Protective life insurance?
What follows are a few commonly asked questions about Accordia Life and Protective.

#1 – What is the Accordia Life and Annuity Company payment address?

The Accordia Life and Annuity Company payment address is 215 10th Street Suite 1100 Des Moines, IA 50309-3616.

#2 – How do I make an Accordia Life Insurance online payment?

You can make a payment through the website of Accordia Life’s parent company, Global Atlantic Financial Group.

#3 – What is the number for Protective Insurance claims?

The Protective Insurance claims phone number is (800) 626-8381.