Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 29, 2021

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The Brief

  • Protective offers far better rates than Accordia Life to men
  • Protective offers far better rates than Accordia Life to women
  • Protective is more well-reviewed than Accordia Life by both the Better Business Bureau and A.M. Best

Since you’re here with us today, you must be looking for your next insurer. Comparing insurers can prove to be a complicated process. So, for the sake of simplicity, we’ll be focusing only on Accordia Life vs. Protective life insurance.

If you’re interested in finding affordable Accordia life insurance and would like to learn more about Accordia Life and Annuity Company, be sure to read our Accordia Life Insurance review.

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

Accordia Life vs. Protective: Which offers better rates to males?

When comparing insurers, you probably want to start with what is most important: pricing. Whether you’re looking for great Accordia life insurance quotes or the most affordable Protective life insurance quotes, you’ll need to compare.

Let’s take a look at a table that compares not just Accordia Life and Protective’s 20-year term life rates but the rates offered by all of the main life insurers to males of various ages.

Average Monthly 20-Year Term Life Insurance Rates by Company and Age (Males)
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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Protective offers the best rates of all the main insurers to 30-year-old males and 40-year-old males. For males in their 50s and 60s, Protective came in second place.

How did Accordia Life do? For 30-year-olds and 40-year-olds, Accordia Life is the second-most expensive, only after Prudential. For 50-year-olds, Accordia Life is the most expensive. For 60-year-old men, Accordia life insurance rates second-most expensive after only Lincoln.

In short, Protective life insurance rates win in terms of rates for males. Let’s move on to see which company offers better rates to females. If you’d like to learn more about Protective Life Insurance, be sure to read our Protective Life Insurance company review.

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Accordia Life vs. Protective: Which offers better rates to females?

We’re going to look at the same type of table, this time for females of various ages.

Average Monthly 20-Year Term Life Insurance Rates by Company and Age (Females)
CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly RatesAge 60 Average Monthly Rates
Protective $11.83 $15.27 $31.18 $77.61
Banner $11.74 $15.67 $31.17 $78.83
AIG $11.81 $18.51 $35.59 $89.66
Foresters $12.47 $16.63 $31.94 $85.97
Lincoln$12.08 $16.14 $32.77 $160.13
Mutual of Omaha $12.64 $19.21 $36.05 $94.02
Principal $13.13 $16.63 $32.90 $77.92
SBLI $13.31 $18.99 $36.46 $90.37
Accordia Life $15.58 $20.69 $41.83 $101.24
Prudential $17.28 $22.53 $40.03 $89.25
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For females in their 30s and 40s, Protective is the cheapest of the main insurers. For females in their 50s, Protective is the second-cheapest company after Banner, and the difference is only a penny. For women in their 60s, Protective is the third cheapest.

How did Accordia Life do? For women in their 30s and 40s, Accordia Life is second-most expensive. For women in their 50s, Accordia Life is the most expensive company. So, yet again, Protective wins. Let’s wrap up with company ratings.

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

One final aspect of insurer comparison that’s important is company ratings from A.M. Best and the Better Business Bureau.

The Better Business Bureau’s rating scale ranges from A+ to F. Accordia Life received the second-highest rating of A from the Better Business Bureau. However, they are not currently accredited.

How did Protective do with the Better Business Bureau? Protective is also not currently accredited, but they do hold the highest rating of A+.

A.M. Best’s rating scale goes from A++ down to D. Accordia Life received a rating of A- (Excellent) from A.M. Best. How did Protective do? They received a rating one notch higher — A.

Whether you’ve decided to buy Accordia life insurance, buy Protective life insurance, or your search for the best life insurance continues, we hope you’ve learned what you came here for.

Now that you now more about Accordia Life vs. Protective,type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.