Protective LifeReviews of protective.com

DO NOT, DO NOT do a life insurance policy with this company. I have two policies, both are Variable Universal policies. There were so many hidden fees all of the gains were wiped out. The customer was service was non-existent. You can not get a human on the phone but if you do, you will just repeat your account number, name and other details to different people before being disconnected. I am still waiting on my loan to be funded. YOU HAVE BEEN WARNED!

This company could not disqualify me due to age, so they trumped up reasons to tell me I was unsuitable! I have no health issues! I take blood pressure medicine to keep my blood pressure in check and have yearly checkups, and my doctors have always given me a clean bill of health and said I'm in great health. However, since I'm 72, I guess the life insurance company is choosing to play the law of averages! Here is a greedy company that needs to create excuses for turning down potential clients. STAY AWAY from Protective Life!

NOTE: File a complaint with the Alabama Insurance Department. Delays and multiple requests for "missing documentation" with zero description of the supposed missing items. Four (4) sets have been filed with my father's death certificate. This seems to be a fraudulent and deliberate process of not paying claims. No company could be this incompetent and have 196 Better Business Bureau complaints in 3yrs unless it was intentional. Be sure to file a complaint with the state of Alabama Insurance Department.

My Twenty year term policy expired on October 4, 2025. I was not given any kind of "Thank You" for being a 20 year customer, never missing a payment of $68.95 per month. All I got was a notice that my November Payment would be $1,403.94 as they automatically converted the policy to a "Fixed premium insurance policy and if payment was not received as due, the policy would be cancelled. This, in my opinion, was disrespectful and and very poor service for a company to completly disregard the long term arrangement. I will not refer this company to anyone in the future.

I had a troubling experience with this company that has left me questioning their integrity and professionalism. Despite undergoing various tests confirming that I experienced a one-time vasovagal event caused by excessive work hours, the assessment I received denying my coverage was fundamentally flawed. It appeared the company was more focused on finding reasons to deny legitimate claims rather than providing support. Additionally, I have serious concerns about how they handle personal information and the security of records. It’s unsettling to think that sensitive data is managed by a company that prioritizes denial over care. I would strongly caution anyone considering doing business with this company.

Protective Life denied me life insurance based on a supposed medical issue that does not exist in my records. I’ve thoroughly reviewed all of my documentation and even consulted my doctor, who confirmed there is no such issue and has offered to write a letter stating as much. The only plausible explanation is that Protective Life made a mistake during underwriting. Unfortunately, I’ve hit a wall trying to resolve it. Despite reaching out multiple times—including requests escalated to supervisors—I’ve received no call back, no explanation, and no meaningful help. Protective has been completely unresponsive. In most industries, if a company treated me like this, I’d simply walk away and choose another provider. But with life insurance, a denial from one company becomes a red flag to all the others. I'm now essentially stuck in limbo, trying to clear my name from a false determination, while the company responsible refuses to even communicate. This level of unaccountability and disregard for the serious implications of their decisions is unacceptable—especially from a life insurance company. I strongly urge others to think twice before doing business with Protective Life.

I filed a life insurance claim to pay out my deceased mother’s life insurance policy on April 18, 2025. Five days later, on April 23, they finally emailed me the claim forms. I got the necessary death certificate and mailed back the completed forms on April 25. Having received no response from them I called them on May 8 to (almost 2 weeks later) confirm their receipt of all necessary papers. Then I called again on May 13 to find out what was taking so long. Their claims website was absolutely useless and said they were still waiting for forms. Again on May 15 I called and their service representative said everything had been approved and that I would receive a payment of $56,212.86 in my bank account by Friday. No payment went into my account. Instead, late Monday, I received an email saying that there was a problem with the signature dates on section F of my claim form and that I would have to re-submit it. But section F of the form has no signatures or dates. At this point we are more than a month post-filing and I am getting a strong feeling that they are deliberately stringing out the process to delay payment for as long as possible. So I called again the next day (May 20) and spoke to representative Bryan. He looked over the documents and said that the email should have referred to section E of the form with my signature and a witness signature, but that the signatures looked correct to him. Then he queried someone else who told him that the date of the witness signature wasn’t clear. Note that the witness signature is of no legal value - could be anyone, no notary stamp is required. At this point I am very angry, but agree to send in a re-signed copy by email, which I did the next morning, May 21. Yesterday, May 28, I called again to find out why I hadn’t received my payout yet, and was told it would take 7 to 10 business days for the payment (a direct bank transfer) to go through. No reason in the world why it should take more than a few hours once the forms are completed, but here I am 6 weeks later still waiting to be paid. Do not do business with these people. They will take your money, then slow-walk your payout to keep every cent of interest they can. Sent from my iPhone

This has without a doubt been the worst customer service i’ve ever had the displeasure of dealing with. my mom passed away december it has been over 5 months dealing with this horrible company. They are terrible about getting back to me and keep sending me things saying im missing documents or something is incorrectly filled out but when i call to ask what specifically is wrong they either tell me they don’t know or there isn’t anything wrong or they can’t tell me but they will have the person in charge of my claim call me back. guess who never gets a call back. they are so incredibly incompetent. I have had to mail in 4 different claims as they kept coming up with new things that needed to be fixed despite me clarifying with them prior how it should be filled out.