Home › Insurance › Term life insurers › Protective vs Nationwide
Here's how Protective and Nationwide term life compare on facts from their own pages. We don't provide quotes.
| Protective | Nationwide | |
|---|---|---|
| Term options | Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years | 10 or 20 years with no medical exam up to $1.5 million; Guaranteed Level Term up to 30 years |
| Longest term | 40 years | 30 years |
| Issue ages | Not found on the insurer's page | Not found on the insurer's page |
| How to apply | Yes, online or by phone | Yes, completely online for 10- or 20-year coverage up to $1.5 million |
| 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 (Guaranteed Level Term can be renewed or converted to a permanent policy) |
| Complaints (California 2025, life) | 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company) | Not shown: Nationwide's term policies may be issued by a different Nationwide company than the one in California's list |
| 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) · Nationwide term life page (checked 2026-10-12)
More on Protective · More on Nationwide · All term life insurers
Term options: Protective Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years, Nationwide 10 or 20 years with no medical exam up to $1.5 million; Guaranteed Level Term up to 30 years; Longest term: Protective 40 years, Nationwide 30 years; Issue ages: Protective Not found on the insurer's page, Nationwide Not found on the insurer's page; How to apply: Protective Yes, online or by phone, Nationwide Yes, completely online for 10- or 20-year coverage up to $1.5 million; 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, Nationwide Yes (Guaranteed Level Term can be renewed or converted to a permanent policy); Complaints (California 2025, life): Protective 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company), Nationwide Not shown: Nationwide's term policies may be issued by a different Nationwide company than the one in California's list; Quotes: Protective We don't sell insurance or give quotes, Nationwide 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.