Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 27, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Protective Life Ins. offers more affordable rates to men and women of various ages than Haven Life
  • Protective Life holds an A+ rating with A.M. Best
  • Haven Life holds an A++ rating with A.M. Best

Part of what makes comparing life insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Haven Life vs. Protective life insurance today.

Our Protective and Haven Life insurance review will cover pricing and A.M. Best ratings.

Before we dive into our Haven Life vs. Protective life insurance comparison, type your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.

Haven Life vs. Protective: Which company offers more affordable life insurance rates to men?

The simplest place to start when comparing two companies is pricing. Let’s look at a table that compares Haven Life vs. Protective monthly term life insurance rates for men.

Sample Average Monthly Term Life Insurance Rates for Males Based on Age and Company
AgeHaven Life Term Average Monthly RatesLincoln TermAccel 2019 Average Monthly RatesMinnesota Life Advantage Elite Select Average Monthly RatesNorth American Classic Term Average Monthly RatesProtective Classic Choice Term Average Monthly Rates
30$23.45$20.52$20.68$20.68$21.97
35$25.17$22.51$22.44$21.56$21.93
40$31.20$28.31$32.12$28.60$29.36
45$54.46$47.65$52.36$47.96$47.00
50$85.47$74.77$79.64$75.24$72.38
55$149.20$130.75$139.48$131.56$126.56
60$245.67$216.09$223.96$217.80$209.10
65NANA$396.44$380.60$365.50
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How easy is it to find affordable Haven Life vs. Protective life insurance quotes? As you can see, for a 30-year-old-man, Haven Life is nearly $2 more per month.

A 40-year-old man will pay nearly $2 more per month with Haven Life while a 50-year-old man will pay $13 more.

Is Haven Life also more expensive for a 60-year-old man? Yes, Protective is $36 cheaper per month for a 60-year-old man.

Our Haven Life vs. Protective life insurance review has shown us that Protective is the cheaper company for men. Let’s see if the companies’ offered rates to women can balance the scale.

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Which company offers more affordable rates to women?

Let’s now take a look at a table that compares Haven Life vs. Protective life insurance rates for women.

Sample Average Monthly Term Life Insurance Rates for Females Based on Age and Company
AgeHaven Life Term Average Monthly RatesLincoln TermAccel 2019 Average Monthly RatesMinnesota Life Advantage Elite Select Average Monthly RatesNorth American Classic Term Average Monthly RatesProtective Classic Choice Term Average Monthly Rates
30$20.01$16.45$18.04$17.16$18.28
35$20.87$19.86$18.92$18.92$19.36
40$27.76$26.39$25.08$25.96$25.83
45$47.57$42.40$44.44$42.68$41.14
50$68.24$62.00$61.16$61.16$59.02
55$108.72$95.73$97.24$96.36$92.70
60$160.40$140.66$146.52$143.00$137.14
65NANA$248.11$231.88$222.98
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As you can see, a 30- or 40-year-old woman will pay nearly nearly $2 more per month with Haven Life. A woman who is 50 will pay $9 more per month with Haven Life, while a 60-year-old woman will pay $23 more.

We now know Protective is the all-around cheaper company, but let’s check out the A.M. Best ratings.

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Haven Life vs. Protective: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

Haven Life received a rating of “A++” (Superior), which is the highest rating given by A.M. Best. What is the Protective Life Insurance Company rating? It received a slightly lower rating, but still a “Superior” “A+.”

In review, our Haven Life vs. Protective comparison has shown us that Haven Life holds a slightly higher A.M. Best rating, but Protective is cheaper across the board.

We hope you’ve learned all you needed to decide whether to buy Haven Life vs. Protective life insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

Frequently Asked Questions: Haven Life vs. Protective: Top Life Insurance in 2021

What follows are a few commonly asked questions about these two companies.

#1 – What is the Haven Life Insurance phone number?

You can reach Haven Life at (855) 744-2836.

#2 – Where can I find the Protective Life Insurance beneficiary change form?

This document can be accessed via Protective’s website.