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: Aug 17, 2021

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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 offers more affordable rates to women of various ages than Lincoln
  • Protective offers slightly more affordable rates to men of various ages than Lincoln
  • A.M. Best gave an identical rating to Lincoln and Protective

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 Lincoln vs. Protective life insurance today.

Our Protective and Lincoln Financial Group life insurance review will cover pricing and A.M. Best ratings.

Before we dive into our Lincoln 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.

Lincoln 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 Lincoln vs. Protective monthly term life insurance rates for men.

Lincoln vs. Others: Sample Rates for Males
CompaniesMale Age: 30 Average Monthly RatesMale Age: 40 Average Monthly RatesMale Age: 50 Average Monthly RatesMale Age: 60 Average Monthly Rates
Lincoln National$12.34$15.22$30.96$71.95
Mutual of Omaha$13.33$19.35$33.33$80.84
Nassau Life$17.43$26.15$51.69$119.78
Nationwide$13.56$16.41$32.59$86.41
North American$12.98$16.50$31.90$77.44
Principal$12.69$15.80$31.15$71.97
Protective$11.62$14.78$30.07$69.90
Prudential$21.88$25.60$38.07$79.41
Sagicor$12.60$17.07$43.59$103.05
SBLI$11.80$14.53$31.88$75.61
Transamerica$13.33$20.21$40.21$101.91
Compare RatesStart Now →

How easy is it to find affordable Lincoln vs. Protective life insurance quotes? As you can see, Protective is only marginally cheaper for men in their 30s, 40s, and 50s.

What about men in their 60s? A Protective Life Insurance policy is $2 cheaper per month for men in their 60s.

In short, our Lincoln vs. Protective life insurance review has shown us that Protective offers slightly more affordable term life insurance rates to men.

Let’s move on and 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 comparing monthly term life insurance rates offered to women by companies including Lincoln vs. Protective.

Lincoln vs. Others: Sample Rates for Females
CompaniesFemale Age: 30 Average Monthly RatesFemale Age: 40 Average Monthly RatesFemale Age: 50 Average Monthly RatesFemale Age: 60 Average Monthly Rates
Lincoln National$16.10$21.22$37.41$74.81
Mutual of Omaha$11.61$16.56$27.31$57.19
Nassau Life$16.14$22.52$42.11$89.06
Nationwide$13.34$16.19$27.13$61.69
North American$11.66$14.96$26.62$54.34
Principal$11.27$14.39$25.94$51.41
Protective$10.43$13.31$25.12$49.88
Prudential$17.72$21.22$37.63$59.07
Sagicor$10.95$15.10$36.75$63.78
SBLI$10.38$13.08$26.72$53.85
Transamerica$12.26$17.63$32.25$81.06
Compare RatesStart Now →

As you can see, Lincoln is more expensive for women of various ages. Women in their 30s pay about $6 more per month with Lincoln while women in their 40s pay about $8 more.

How about women in their 50s and 60s? Women in these age groups pay $12 and $25 more with Lincoln, respectively.

Let’s wrap up with A.M. Best ratings and see if Protective can sweep our comparison.

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

Finally, 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.

Lincoln received a rating of “A+” (Superior), which is the second-highest rating given by A.M. Best.

What rating did A.M. Best give to Protective? As it turns out, Protective received an identical rating.

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

Frequently Asked Questions: Lincoln vs. Protective Life Insurance

What follows are some commonly asked questions about these two companies.

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

You can reach Protective at (800) 866-9933.

#2 – Where can I find Protective Life Insurance company reviews?

You can check with the Better Business Bureau and J.D. Power to find out more about Protective Life Insurance.