Protective LifeReviews of protective.com

Terrible customer service. It took them 2 months to respond to an inquiry. I've been a client for years. Not any more!

Review of Protective Life Insurance — max 1 Star I started my application with Protective on April 5th. Today is May 12th, and the application is still stuck in underwriting with no meaningful progress. The entire experience has been one of the most frustrating, disorganized, and unprofessional processes I’ve ever dealt with. Throughout this ordeal, Protective repeatedly asked me for the same information multiple times, even though I had already submitted everything they requested. Ten days would pass, and then they’d ask again for documents they already had. It’s as if no one is actually reviewing the file. Their so‑called “secure” document upload portal is completely unusable. Every attempt resulted in an error. I asked my assigned agent several times to get this fixed, and nothing was ever resolved. No follow‑up, no solution, no accountability. The process itself is stressful, invasive, and unnecessarily humiliating: endless personal questions, financial disclosures, bank accounts, net worth, medical history, blood tests, urine tests — all for a basic 10‑year, $150K policy. The level of hassle is absurd compared to the product being offered. To make matters worse, while Protective dragged their feet for over a month, I applied with a different company and was fully approved in less than one week. That contrast says everything. I am genuinely shocked that Costco is promoting this company. I will be contacting Costco directly to make them aware of how poorly Protective treats applicants. Protective has wasted my time, ignored my concerns, and delivered nothing but stress and inefficiency. One star out of five — and that’s generous. Never again.

No answers no response after ma ny phone calls In months

They sent me a policy renewal noting that a change in premium was allowed. Went from ~$60 per month to $500 per month. Wow!

Shana L Morgan Please call me 7043085030 My sister died December 13, 2025 I’m the issuer she had no kids or husband they are making it hard for me to gain ownership involving my other siblings to sign forms when they are not on the policy who I have no contact with because of various reasons I’m not only grieving her death I’m broken hearted of the way they are treating me please will someone help me

I bought a ten year term policy (at least that was what I was told) twelve years ago, and noticed today that I'm still paying monthly premiums. So I looked up the policy through their online portal and noticed that it was not technically a ten year term but much longer but the benefit drops significantly after ten years. I can't find any electronic communication from when I signed up for the policy to indicate that it was ever communicated to be more than a ten year term policy. I've now canceled the policy. Still thankful I never had to make a claim.

I've been paying for a policy for 29 years and they inform me that my SSN was never attached to my policy that I've been paying for since 1996. They do this so it's difficult for your beneficiary to get paid. If there's no policy tied to your SSN, there's a long drawn out process to get paid. They hope the elderly grow tired of dealing with it and give up. I've sent in one W9 already to get the SSN attached and they never received it (email by the way hahaha). Asked for them to email me another W9 and now they won't even send it. Life insurance is a huge joke... Transamerica is no better

The onboarding process was painful, as the agent entered my birthday wrong. Thus, the customer portal refused to log in. I called support three times time and each time was told the issue was fixed. It was not. The process gets more complicated and worse as you try to navigate poor customer service.