Home › Insurance › Term life insurers › State Farm vs Protective
Here's how State Farm and Protective term life compare on facts from their own pages. We don't provide quotes.
| State Farm | Protective | |
|---|---|---|
| Term options | Select Term: 10, 20 or 30 years, level premium | Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years |
| Longest term | 30 years | 40 years |
| Issue ages | Issue ages 18–75 (10-yr), 18–65 (20-yr), 18–45 (30-yr) | Not found on the insurer's page |
| How to apply | Online quote; buying is mostly through State Farm agents | Yes, online or by phone |
| Convert to permanent? | Yes, to permanent coverage during the level term and before age 75, regardless of health (State Farm 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) | 0.1 per 100,000 policies (1 justified complaint; State Farm 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: State Farm Select Term page (checked 2026-10-12) · Protective Classic Choice Term page (checked 2026-10-12)
More on State Farm · More on Protective · All term life insurers
Term options: State Farm Select Term: 10, 20 or 30 years, level premium, Protective Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years; Longest term: State Farm 30 years, Protective 40 years; Issue ages: State Farm Issue ages 18–75 (10-yr), 18–65 (20-yr), 18–45 (30-yr), Protective Not found on the insurer's page; How to apply: State Farm Online quote; buying is mostly through State Farm agents, Protective Yes, online or by phone; Convert to permanent?: State Farm Yes, to permanent coverage during the level term and before age 75, regardless of health (State Farm 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): State Farm 0.1 per 100,000 policies (1 justified complaint; State Farm Life Insurance Company), Protective 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company); Quotes: State Farm 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.