Accordia Life vs. Protective: Top Life Insurance in 2024
A comparison of Accordia Life vs. Protective, finds that Protective is the better choice in terms of both cost and ratings. Protective life insurance rates are lower for both men and women of various demographics. A look at Protective vs. Accordia reviews also find Protective has better ratings from both the Better Business Bureau and A.M. Best.
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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 17, 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 17, 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 Insurance offers more competitive rates to men than Accordia Life Insurance
- Protective Insurance offers more competitive rates to women than Accordia Life Insurance
- Protective is more well-reviewed than Accordia by both A.M. Best and the Better Business Bureau
The process of comparing insurers can prove itself to be a daunting and lengthy one. For this reason, to simplify the process, we’re going to be focusing exclusively on Accordia Life vs. Protective life insurance companies today.
Companies like Accordia Life and Annuity Company offer a range of products, including no medical exam life insurance policies.
Before we fully dive into our insurer comparison to help you decide whether to buy Accordia Life vs. Protective life insurance, compare rates now. Simply type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.
Accordia Life vs. Protective Life Insurance Rates: Which company offers better quotes to men?
When you set out to compare insurers, it’s almost certain that you’d wish to start with something important to you. For many people, the most important thing is pricing.
Let’s take a look at a table that will compare the rates offered to men by Accordia Life and Protective and several other large life insurance companies.
This data is for a 20-year Term Life policy valued at approximately $250,000.
Accordia Life vs. American Amicable vs. Other Carriers: Sample Monthly Rates for Males (20-year Term $250,000 Policy)| Company | Age 30 Sample Monthly Rates | Age 40 Sample Monthly Rates | Age 50 Sample Monthly Rates | Age 60 Sample Monthly Rates |
|---|---|---|---|---|
| Protective | $20.21 | $28.38 | $75.68 | $205.97 |
| Banner | $20.12 | $32.68 | $74.39 | $205.97 |
| AIG | $20.24 | $30.62 | $77.76 | $213.57 |
| Foresters | $21.00 | $31.50 | $79.19 | $223.56 |
| Accordia Life | $27.15 | $40.05 | $105.47 | $300.38 |
| American Amicable | $20.48 | $27.68 | $51.08 | $128.93 |
| Liberty Mutual | $33.75 | $55.13 | $144.68 | $399.83 |
| Nationwide | $16.02 | $21.36 | $53.85 | $180.23 |
As you can see, for men in their 30’s, Accordia Life is almost seven dollars more expensive per month than Protective. Not a huge difference, but noteworthy regardless. Let’s move onto the next demographic and see if Protective wins across the board.
For men in their 40’s, Accordia Life is almost 12 dollars more expensive per month than Protective. For men in their 50’s, Protective is nearly 30 dollars cheaper per month than Accordia Life.
Finally, for men in their 60’s, Accordia Life is almost a whopping 95 dollars more per month than Protective. It’s safe to say that Protective wins in terms of rates offered to men.
Let’s move on to the next section and see if Protective can keep it going by offering more competitive rates to women than Accordia Life. Be sure to read our Protective Life Insurance Company Review to learn more about the rates and discounts this company offers their insured.
Read more:
- Accordia Life Insurance Review
- Accordia Life vs. American National: Top Life Insurance
- Accordia Life vs. Assurity: Top Life Insurance
- Accordia Life vs. Banner: Top Life Insurance
- Accordia Life vs. Cincinnati: Top Life Insurance
- American Amicable Life Insurance Review
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Accordia Life vs. Protective Life Insurance Quotes: Which company offers better rates to women?
We are now going to do the same thing we did in the last section, though this time, we’ll be comparing the rates offered to women by companies including Accordia Life and Protective. Of note is the fact that while this is still for a 20-year Term Life policy, it’s valued at $500,000 as opposed to $250,000.
Accordia Life vs. American Amicable vs. Other Carriers: Sample Monthly Rates for Females (20-year Term $500,000 Policy)| Company | Age 30 Sample Monthly Rates | Age 40 Sample Monthly Rates | Age 50 Sample Monthly Rates | Age 60 Sample Monthly Rates |
|---|---|---|---|---|
| Protective | $17.63 | $24.94 | $55.47 | $139.32 |
| Banner | $17.11 | $25.49 | $55.47 | $145.00 |
| AIG | $17.21 | $27.16 | $63.06 | X |
| Foresters | $18.81 | $27.13 | $57.75 | X |
| AccordiaLife | $24.48 | $34.71 | $76.99 | $195.80 |
| AmericanAmicable | $16.88 | $22.50 | $37.80 | $88.88 |
| Liberty Mutual | $25.20 | $42.53 | $107.78 | $250.65 |
| Nationwide | $16.02 | $21.36 | $53.85 | $180.23 |
For women in their 30’s, Protective is almost seven dollars cheaper per month than Accordia Life. For women in their 40’s, Protective is almost 10 dollars cheaper per month than Accordia Life.
For women in their 50’s, Accordia Life is over 21 dollars more expensive per month than Protective. We definitely see a growing trend here.
Finally, for women in their 60’s, Accordia Life is over 56 dollars per month, more expensive than Protective.
So, again, Protective is the winner when considering whether to buy Accordia Life vs. Protective life insurance. Let’s wrap up with company ratings to see if we can have a landslide victory.
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Accordia Life vs. Protective: Which company is more well-reviewed?
One final thing to keep an eye out for when comparing insurers is their ratings from companies like A.M. Best and the Better Business Bureau. A high rating from one or both of these companies can instill confidence in consumers that a particular insurer will be financially solid into the future.
The Better Business Bureau’s rating scale extends from the high end of “A+” down to the lowest possible rating of “F.” Accordia Life received the Better Business Bureau’s second-highest rating, which is an “A.” With that being said, Accordia Life does not hold BBB accreditation as of this time.
How did Protective do with the BBB? Protective is also not accredited by the Better Business Bureau, but it holds the highest rating of “A+.”
A.M. Best’s rating scale is a little different from the Better Business Bureau’s in that it ranges from a rating of “A++” down to the lowest rating of “D.”
Accordia Life received a rating of “A-” from A.M. Best. How did Protective do? Protective received the second-highest rating of “A+.” So, in short, Protective wins again, this time in terms of company ratings.
All in all, you have two great choices here, but one certainly stands above the other. While you might be able to find affordable Accordia Life vs. Protective life insurance, there are a lot of other options. Type your ZIP code into our free and helpful tool below to find affordable life insurance rates in your area.
Your one-stop online guide for life insurance quotes. Get free quotes now!
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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
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.