Home › Insurance › Term life insurers › Protective vs Legal & General America (Banner Life)
Here's how Protective and Legal & General America (Banner Life) term life compare on facts from their own pages. We don't provide quotes.
| Protective | Legal & General America (Banner Life) | |
|---|---|---|
| Term options | Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years | 10, 15, 20, 25, 30, 35 or 40 years |
| Longest term | 40 years | 40 years |
| Issue ages | Not found on the insurer's page | Ages 20–75 |
| How to apply | Yes, online or by phone | Online quote tool |
| Convert to permanent? | Yes; an optional Conversion Choice rider (not in CA or NY) lets you convert without underwriting, up to 2 years before the term ends | Yes, option to renew or convert to a permanent policy |
| Complaints (California 2025, life) | 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company) | 0.7 per 100,000 policies (1 justified complaint; Banner Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: Protective Classic Choice Term page (checked 2026-10-12) · Legal & General America term life page (checked 2026-10-12)
More on Protective · More on Legal & General America (Banner Life) · All term life insurers
Term options: Protective Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years, Legal & General America (Banner Life) 10, 15, 20, 25, 30, 35 or 40 years; Longest term: Protective 40 years, Legal & General America (Banner Life) 40 years; Issue ages: Protective Not found on the insurer's page, Legal & General America (Banner Life) Ages 20–75; How to apply: Protective Yes, online or by phone, Legal & General America (Banner Life) Online quote tool; Convert to permanent?: 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, Legal & General America (Banner Life) Yes, option to renew or convert to a permanent policy; Complaints (California 2025, life): Protective 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company), Legal & General America (Banner Life) 0.7 per 100,000 policies (1 justified complaint; Banner Life Insurance Company); Quotes: Protective We don't sell insurance or give quotes, Legal & General America (Banner Life) 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.