Protective LifeReviews of protective.com

My mother has an annuity with Protective that I need to surrender to pay for her memory care. I was told 4 months ago to call within 2 weeks of running out of money, that everything was in order and payment would be released. I called 2 months ago and have had nothing but a runaround. I was told: 1) Need to mail in a request for surrender 2) need a copy of the POA which they already had (how else would they talk to me) 3) I had to get a notarized letter of change of address, 4) they never received it, sent it again.4) called, all set to go, just waiting for approval, 5) all ok, if you don't get check in 10 days called. 6) got their letter of the surrender and tax documents but no check 7) sorry, but it is with the handler but ready to go in 7-10 days if you don't receive please call. I was irritated and said I know this is not your fault but Protective needs to get their responses straight, I kept getting told different answers. The representative's response was " Ma'am, have I answered your question?, if so, I will hang up now" No apology, nothing. My mom's bill for her memory care is now 2 months in arrears. They are being very nice about it but it is just not right!

My mom had protective life ins she paid on for 40 years was automatically taken out of her bank account she was in the hospital the month they set a letter saying she needed to put 60 dollars on the account so it was in grace they wouldn’t let me pay the money made her reinstate it and then denied her she has nothing now she got that to help with her funeral cost

I have a substantial annuity contract with them through Schwab. I had three questions a week ago and contacted customer service three times in a week. The CS people were clueless but said they would get back with the answers, or a phone number for someone who could or that someone would call. I called a week later and was intercepted by a "gentleman" who said they would not help me and provide answers. I tried to explain what I needed but he said that did not accept feedback from clients and hung up on me. That was Aaron. I am now transferring my contract to a firm that values it's customers.

Every year in December they skip taking out the autopayment for my husband, and we end up arguing with them for 3 months to get it fixed. Today I got an email that I am PAST due for a payment for July 2023 when today is May, and that my policy is in a grace period. ( I have always paid my premiums). These types of errors on their part cause so much stress and anxiety as well as having to spend hours on the phone trying to get it fixed. It seems like it is every other month something is going on with them. I would not recommend this company for life insurance, with these troubles, I seriously cannot imagine dealing with them in a time of crisis.

Do not do business with this company. Their customer service is terrible and they never do what they say they will do. My father died on Memorial Day this year and I am a beneficiary of his annuity through Protective Life. I have been working since his death to claim my benefit and in so doing have spoken with Protective representatives 22 times. There is no continuity in house so every time you call you speak with a new person who has no idea what you are talking about. I have been told that my claim file is complete by one representative and them have another tell me the account does not exist. I have been told someone would call me back several times and no one ever has. After months of dealing with these people I finally received a letter on August 23rd telling me my claim had been approved and payments would commence. It is now September 16th and I have not seen a penny of my money. I believe their goal is to keep money they owe you for as long as they possible can. Not once did I ever speak with anyone helpful.

Protective is absolutely the worst insurance company I have ever had to deal with. Their customer service is completely unacceptable, they lie to their customers about follow-up, the claims process, and timeline for payments. My father passed away on May 30th, he had an Annuity policy with Protective and listed me as one of beneficiaries. I completed all the required paperwork and sent it to Protective via certified mail. They acknowledged they had received all the correct documentation and I would receive a follow-up phone call letting me know when the monthly pay outs would begin. After numerous calls to Protective, I never received an explanation of the payment delay, I was always transferred to countless other departments within the company, spending hours on hold. I filed a complaint with the Insurance Commissioner, three months after my fathers death and did finally get a call back, only to be lied to once again, telling me they had sent a check on September 2nd, which is now 13 days ago, no check or communication from Protective. It is very odd they would state they were sending a check as I had requested their direct deposit option and they acknowledged they had all the information they needed for this process. Do not use this company, never buy an insurance policy from them. When you are struggling with the grief from the loss of a loved one, they do not give you the benefits outlined in the policy, nor provide any level of customer service.