Home › Insurance › Term life insurers › New York Life vs Protective
Here's how New York Life and Protective term life compare on facts from their own pages. We don't provide quotes.
| New York Life | Protective | |
|---|---|---|
| Term options | Level Term: 10, 15 or 20 years | Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years |
| Longest term | 20 years (Level Term) | 40 years |
| Issue ages | Not found on the insurer's page | Not found on the insurer's page |
| How to apply | Through New York Life agents | Yes, online or by phone |
| Convert to permanent? | Yes, to permanent coverage; the conversion window depends on the policy (New York Life term conversion page) | Yes; an optional Conversion Choice rider (not in CA or NY) lets you convert without underwriting, up to 2 years before the term ends |
| Complaints (California 2025, life) | 0.7 per 100,000 policies (4 justified complaints; New York Life Insurance Company) | 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: New York Life term life page (checked 2026-10-12) · Protective Classic Choice Term page (checked 2026-10-12)
More on New York Life · More on Protective · All term life insurers
Term options: New York Life Level Term: 10, 15 or 20 years, Protective Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years; Longest term: New York Life 20 years (Level Term), Protective 40 years; Issue ages: New York Life Not found on the insurer's page, Protective Not found on the insurer's page; How to apply: New York Life Through New York Life agents, Protective Yes, online or by phone; Convert to permanent?: New York Life Yes, to permanent coverage; the conversion window depends on the policy (New York Life term conversion page), Protective Yes; an optional Conversion Choice rider (not in CA or NY) lets you convert without underwriting, up to 2 years before the term ends; Complaints (California 2025, life): New York Life 0.7 per 100,000 policies (4 justified complaints; New York Life Insurance Company), Protective 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company); Quotes: New York Life We don't sell insurance or give quotes, Protective We don't sell insurance or give quotes.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.