Home › Insurance › Term life insurers › Prudential vs Protective
Here's how Prudential and Protective term life compare on facts from their own pages. We don't provide quotes.
| Prudential | Protective | |
|---|---|---|
| Term options | Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95 | Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years |
| Longest term | 30 years | 40 years |
| Issue ages | Not found on the insurer's page | Not found on the insurer's page |
| How to apply | Not found on the insurer's page | Yes, online or by phone |
| Convert to permanent? | Yes, without a new medical exam. Issue age 59 or under: by the end of the level period or the anniversary after age 65, whichever is earlier; ages 60–75: by the 5th anniversary | 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) | 0.0 per 100,000 policies (0 justified complaints; Pruco 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: Prudential Term Essential brochure (checked 2026-10-12) · Protective Classic Choice Term page (checked 2026-10-12)
More on Prudential · More on Protective · All term life insurers
Term options: Prudential Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95, Protective Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years; Longest term: Prudential 30 years, Protective 40 years; Issue ages: Prudential Not found on the insurer's page, Protective Not found on the insurer's page; How to apply: Prudential Not found on the insurer's page, Protective Yes, online or by phone; Convert to permanent?: Prudential Yes, without a new medical exam. Issue age 59 or under: by the end of the level period or the anniversary after age 65, whichever is earlier; ages 60–75: by the 5th anniversary, 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): Prudential 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company), Protective 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company); Quotes: Prudential 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.