Lincoln vs. Protective: Top Life Insurance in 2024
In a comparison of Lincoln vs. Protective life insurance, Protective came out on top. Protective offers more affordable rates to men and women of various ages than Lincoln. A.M. Best gave Lincoln and Protective an identical Financial Strength Rating.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
UPDATED: Mar 24, 2024
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 provider and cannot guarantee quotes from any single provider.
Our 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 on this page 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.
UPDATED: Mar 24, 2024
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 provider and cannot guarantee quotes from any single provider.
Our 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 on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Protective offers more affordable rates to women of various ages than Lincoln
- Protective offers slightly more affordable rates to men of various ages than Lincoln
- A.M. Best gave an identical rating to Lincoln and Protective
Part of what makes comparing life insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Lincoln vs. Protective life insurance today.
Our Protective and Lincoln Financial Group life insurance review will cover pricing and A.M. Best ratings.
Before we dive into our Lincoln vs. Protective life insurance comparison, type your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.
Lincoln vs. Protective: Which company offers more affordable life insurance rates to men?
The simplest place to start when comparing two companies is pricing. Let’s look at a table that compares Lincoln vs. Protective monthly term life insurance rates for men.
Lincoln vs. Others: Sample Rates for Males
| Companies | Male Age: 30 Average Monthly Rates | Male Age: 40 Average Monthly Rates | Male Age: 50 Average Monthly Rates | Male Age: 60 Average Monthly Rates |
|---|---|---|---|---|
| Lincoln National | $12.34 | $15.22 | $30.96 | $71.95 |
| Mutual of Omaha | $13.33 | $19.35 | $33.33 | $80.84 |
| Nassau Life | $17.43 | $26.15 | $51.69 | $119.78 |
| Nationwide | $13.56 | $16.41 | $32.59 | $86.41 |
| North American | $12.98 | $16.50 | $31.90 | $77.44 |
| Principal | $12.69 | $15.80 | $31.15 | $71.97 |
| Protective | $11.62 | $14.78 | $30.07 | $69.90 |
| Prudential | $21.88 | $25.60 | $38.07 | $79.41 |
| Sagicor | $12.60 | $17.07 | $43.59 | $103.05 |
| SBLI | $11.80 | $14.53 | $31.88 | $75.61 |
| Transamerica | $13.33 | $20.21 | $40.21 | $101.91 |
How easy is it to find affordable Lincoln vs. Protective life insurance quotes? As you can see, Protective is only marginally cheaper for men in their 30s, 40s, and 50s.
What about men in their 60s? A Protective Life Insurance policy is $2 cheaper per month for men in their 60s.
In short, our Lincoln vs. Protective life insurance review has shown us that Protective offers slightly more affordable term life insurance rates to men. (For more information, read our “Protective Life Insurance Company Review“).
Let’s move on and see if the companies’ offered rates to women can balance the scale.
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Which company offers more affordable rates to women?
Let’s now take a look at a table comparing monthly term life insurance rates offered to women by companies including Lincoln vs. Protective.
Lincoln vs. Others: Sample Rates for Females
| Companies | Female Age: 30 Average Monthly Rates | Female Age: 40 Average Monthly Rates | Female Age: 50 Average Monthly Rates | Female Age: 60 Average Monthly Rates |
|---|---|---|---|---|
| Lincoln National | $16.10 | $21.22 | $37.41 | $74.81 |
| Mutual of Omaha | $11.61 | $16.56 | $27.31 | $57.19 |
| Nassau Life | $16.14 | $22.52 | $42.11 | $89.06 |
| Nationwide | $13.34 | $16.19 | $27.13 | $61.69 |
| North American | $11.66 | $14.96 | $26.62 | $54.34 |
| Principal | $11.27 | $14.39 | $25.94 | $51.41 |
| Protective | $10.43 | $13.31 | $25.12 | $49.88 |
| Prudential | $17.72 | $21.22 | $37.63 | $59.07 |
| Sagicor | $10.95 | $15.10 | $36.75 | $63.78 |
| SBLI | $10.38 | $13.08 | $26.72 | $53.85 |
| Transamerica | $12.26 | $17.63 | $32.25 | $81.06 |
As you can see, Lincoln is more expensive for women of various ages. Women in their 30s pay about $6 more per month with Lincoln while women in their 40s pay about $8 more.
How about women in their 50s and 60s? Women in these age groups pay $12 and $25 more with Lincoln, respectively.
Let’s wrap up with A.M. Best ratings and see if Protective can sweep our comparison.
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Lincoln vs. Protective: Which company is more well-reviewed?
Finally, 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.
Lincoln received a rating of “A+” (Superior), which is the second-highest rating given by A.M. Best.
What rating did A.M. Best give to Protective? As it turns out, Protective received an identical rating.
We hope you’ve learned all you needed to decide whether to buy Lincoln vs. Protective life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.
Read more:
- Lincoln vs. MassMutual: Top Life Insurance
- Lincoln vs. Mutual of Omaha: Top Life Insurance
- Lincoln vs. Nationwide: Top Life Insurance
Frequently Asked Questions: Lincoln vs. Protective Life Insurance
What follows are some commonly asked questions about these two companies.
#1 – What is the Protective Life Insurance phone number?
You can reach Protective at (800) 866-9933.
#2 – Where can I find Protective Life Insurance company reviews?
You can check with the Better Business Bureau and J.D. Power to find out more about Protective Life Insurance.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
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.