Business Profile
Life Insurance
Protective Life Insurance CompanyHeadquarters
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Reviews
This profile includes reviews for Protective Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1.1/5 stars
Average of 73 Customer Reviews
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Review fromBrandon R
Date: 07/23/2025
1 starProtective Life denied me life insurance based on a supposed medical issue that does not exist in my records. Ive thoroughly reviewed all of my documentation and even consulted my ******* *** 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, Ive hit a wall trying to resolve it. Despite reaching out multiple timesincluding requests escalated to supervisorsIve received no call back, no explanation, and no meaningful help. Protective has been completely *************** most industries, if a company treated me like this, Id 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 unacceptableespecially from a life insurance company. I strongly urge others to think twice before doing business with Protective Life.Protective Life Insurance Company
Date: 07/24/2025
We regret the experience referenced in his review and would like to review his concerns further. Therefore, our office has reached out to consumer to be of assistance.Review fromTammy C
Date: 05/07/2025
1 starThis is absolutely the worst company I have ever dealt with. My mom died on April 14, 2025. I filed a claim for her life insurance and sent in the forms.i called almost daily and was told the paperwork was all in and it should pay out soon. I have been getting the runaround and promises for call backs on April 28 from the adjuster within ***** hours. I received a call a May 5 who then told me my paperwork wasnt correct after being told it was correct. I sent the paperwork back in and was told it would now be 7-10 days before they even review it! Someone told me it would be 4-6 weeks longer on May 6. I need to pay expenses with it! With all of those calls, no one bothered to tell me that they needed a correlation until May 5 when the adjuster finally got around to calling. She said they don't make phone calls. She was also in the **** side. They send by US mail. Why not email in this day and age? They won't tell me the amount of the claim either. Don't ever work with this company. I may have to sue them to get the payout.Protective Life Insurance Company
Date: 05/19/2025
Thank you for your correspondence. Because of privacy concerns, and in accordance with our standard operating procedures, we cannot answer inquiries or complaints to non-regulatory organizations, but please be assured that we have provided a response to the customer. If you desire a copy of our response, please contact the customer.Review fromAshley H
Date: 02/28/2025
1 starTheir **************** is absolutely horrible. My father has 2 policies with them, we've been trying to view his policies online and change his beneficiaries for weeks and have not been able to. We called the customer support number, and were told to send an email, I emailed multiple times, no response. They make it extremely difficult to get any kind of assistance. I'm very nervous now for how difficult it's going to be when the time comes to make a claim.Protective Life Insurance Company
Date: 03/04/2025
We have confirmed that the issue has been resolved. We have apologized to the customer and his daughter for the difficulties they experienced in this matter.Review fromKristi K
Date: 02/14/2025
1 star****....this company is horrible and will make every EXCUSE not to payout on a gap coverage claim. Takes months for them to only turn around and deny! My primary insurance paid with no issues at all however *** is refusing to pay!Protective Life Insurance Company
Date: 02/17/2025
************ does not administer the *** Addendum/Waiver. For further information, clarification, and questions/issues relating to your *** claim, you must contact the ************************************************ at ***********************************************, ************, *********************************************.Review fromThomas J
Date: 02/12/2025
1 starI am completely frustrated and do not know what to do at this point. My father passed away on December 10, 2024, after a long and painful illness. Our family went through a great deal of trauma during this time and was hoping for an uneventful process with his life insurance claim with Protective Life as an Administrator for the ********************* Insurance Company. The claim process with Protective Life has been nothing but uneventful. I began the claim process for my mother who is 80 years old and in poor health; I am the power of attorney and am personally battling terminal cancer; this difficult process has given me anxiety, depression and frustration. The oncologist told me that this frustration is not good at all for my prognosis. I have been trying to be positive with my mom as she has been extremely emotional about this process and my father's death. I have the following businesses contacting me and/or my mom for payment: the funeral home, the flower shop and the gravestone company. I began the process in the middle of December 2024. Since filing the claim, I have been given the run-around promised callbacks from Jazmela ******* (Claim Adjuster) for four days; calls not returned and promised the claim would be deposited quickly. My father passed away on December 10, 2024, after a long and painful illness. Our family went through a great deal of trauma during this process. I have been given several reasons for the claim not being paid to include: there is a system glitch and that is why the claim has not been paid (the glitch is now 8 days old), need to turn in additional documents (turned in immediately over four weeks prior) and telling me that the paperwork has not been turned in but the day before was told that all documents were turned in as required. I have been told by the agents that all the paperwork was completed and there is no reason the payment has not been paid. I have been told this for two weeks. Please help me!Protective Life Insurance Company
Date: 02/21/2025
We extend our sincere apologies to our beneficiary and family for their recent claim experience. It is our standard to request all required items as soon as it becomes known, and unfortunately that did not occur with this claim. Full payment has since been made to resolve the matter.Review fromAlisha P
Date: 01/21/2025
1 starThey denied a claim for hospitalization for delivery stating that it is a pre-existing condition. Discrimination at its finestReview fromDeirdre T
Date: 01/02/2025
1 starProtective Life Insurance Company, ********** ******* Review - Minus 100 stars Please read this before you make the mistake of opening a policy with this company. They seem to strive to achieve the highest level of the ***** Principal. That is working to the highest level of incompetence. They do not communicate or respond in any fashion much less timely, or at all. On October 10, 2024 my mother passed away, and left my sisters and me a life insurance policy through Protective Life Insurance. Initially my mothers investment broker ************* submitted the paperwork for us a few days after her death. The broker said it normally takes around two to three weeks to receive the benefits. After a three weeks passed I went online to check the claim and discovered that more documents were needed. Not one of my sisters or I received any communications on what Protective needed. I called the office and was told that all of the forms were received, and the account was now with the processor who would call me back on the following Monday. The Processor never called but on January 2nd I received a letter from Protective that more documentation was needed. The letter prompted me to call, yet again, and ask what on earth was going on. The person I spoke with said that the forms were not received until December 31st, and due to the holidays, they just couldnt process them, and it would be another four weeks before they could get to it.I asked what happened to all of the other submissions of forms and he said that only the December 31st documents were processed. So who knows where the other documents went.Protective Life Insurance Company
Date: 01/18/2025
The Claim documents necessary to process the claim was received 12/2/2024. The claim was paid to the beneficiaries on 1/2/2025. We extend our sincere apologies for the customer's recent claim experience.Review fromPatrice K
Date: 12/31/2024
1 starThe absolute worse company I have ever dealt with. My deceased husband signed up with this company while in basic training, decades ago. My late husband described while in basic training MANY young soldiers were approached and convinced to sign up for protecting their families and future. The company continued to take money out of his military pay, for years. As time went on my husband began to question the military allotment paid to this company. After a few years the allotment just stopped. However, My husband could not remember the companys namehe knew it started with the letter P. We couldnt locate anything. My husband passed 2012. I recently found a site guiding me how locate missing insurance policies. I was initially sent information by Athene who, directed me to Protective. Now that my husband is deceased and his mother who was the beneficiary is also deceased, Protective life is either ignoring my claim or hiding something. Something isnt right! My deceased husband said decades agosomething whats right! Now that I know who this company is, I will not give up, even if I need legal assistance.Protective Life Insurance Company
Date: 01/09/2025
Thank you for your comments. Our review indicates that your claim is being processed. I would like to sincerely apologize for any delays in the claims process. You may contact our ***************** directly at ************** with any additional questions.Review fromJaime S
Date: 12/19/2024
1 starAbsolutely terrible experience with Protective Life thus far. My grandmother took out a life insurance policy with ************** in 2001, with me listed as the sole beneficiary, and died in 2014. At that time, I was unaware that a policy even existed until just recently when my mother asked me about it, and we were able to find the long-lost claim letter written to me by ************** in 2014, with forms for claiming the death benefit. The claim letter was misplaced and stashed with a bunch of other paperwork. Since just learning of this life insurance policy within the last month, I contacted ************** and they explained that their individual life accounts were transferred to Protective Life in 2018. Now, over the past 3 weeks, I have been talking and emailing with Protective Life, trying to claim the death benefit on my grandmother's policy, but I am getting nowhere with them. They have told me various things, for one telling me that the contract was surrendered in 2019 by the beneficiary and that I am not the listed beneficiary. Another time I was told that the account was surrendered by the account holder in 2019 before death. Both of these scenarios are impossible since I am the sole beneficiary and my grandmother died in 2014, 5 years prior to their telling of the account being surrendered. Protective Life will not give me any information about the details of the account surrender because they say that I am not the beneficiary or the account holder. I have provided them copies of the original contract, the claim letter written to me by ************ in 2014 and a copy of my grandmother's death certificate and they are still unwilling to give me any information. At this point I feel they are deliberately trying to cheat me out of the death benefit on my grandmother's policy. Terrible!!Protective Life Insurance Company
Date: 12/30/2024
We are working with the customer under separate cover to identify the policy in question.Review fromTonia W
Date: 12/17/2024
1 starSo I have been dealing with Protective Life insurance co in birmingham alabama since Oct. About a claim they had for my father. It's been very stressful first it was a claim then they came up with a beneficiary unknown to my family,I have pushed to get info to no avail.at first I thought it to be a scam well after all my pushing they now are coming back with it was a mistake. It still doesn't make sense and I am in the process of filing a claim with the Better business bureau of alabama.Protective Life Insurance Company
Date: 12/30/2024
The Complainant's father is not our insured. No additional information can be provided. The complainant has been informed in writing under a separate cover.
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