Robert D.
Review of Protective Life Insurance
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.