Reviews

This profile includes reviews for Protective Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Protective Life Insurance Company has 42 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Protective Life Insurance Company

  2801 Highway 280 S Birmingham, AL 35223-2479

• 

  Protective Life Insurance Company

  PO Box 2606 Birmingham, AL 35202-2606

• 

  Protective Life Insurance Company

  14755 N Outer Forty Dr 1 Chesterfield Mall Ste 400 Chesterfield, MO 63017-4807

• 

  Protective Life Insurance Company

  6700 France Ave S STE 200 Minneapolis, MN 55435-1907

• 

  Protective Life Insurance Company

  PO Box 21666 Saint Petersburg, FL 33742-1666

Review Details

• Review fromCynthia G

  Date: 08/01/2025

  1 star
  This company is terrible to deal with. After 11 years I decided to surrender them and cash out, the nightmare began!They do not send surrender paperwork when requested. They send incomplete paperwork. Their representatives apparently are not trained well and give you the wrong information, and a few are actually snarky. Every time you call back you get more information. Delay, delay, delay. This should not be this hard. Their customer service is terrible!

• Review fromBrandon R

  Date: 07/23/2025

  1 star
  Protective 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 fromSteven L

  Date: 05/29/2025

  1 star
  I filed a claim for my deceased mothers life insurance policy on April 18, 2025. Five days later, on April 23, they finally emailed me the claim forms. I mailed back the death certificate and completed forms on April 25. Having received no response, I called them 2 weeks later to 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 useless - said they were still waiting for forms. Again on May 15 I called and their service representative said everything was approved and 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 I am getting a strong feeling that they are deliberately stringing things out to delay payment as long as possible. So I called again the next day (May 20) and spoke to representative *****. He looked over the documents and said that the email should have referred to section E of the form, but that the signatures looked correct to him. Then he queried someone else who told him that the date of the witness signature wasnt clear. Note that the witness signature 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. May 28, I called again to find out why I hadnt 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 after 6 weeks I am still waiting to be paid. Do not do business with these people. They will slow-walk your payout to keep every cent of interest they can.

  Protective Life Insurance Company

  Date: 06/04/2025

  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 fromTammy C

  Date: 05/07/2025

  1 star
  This 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 fromChuck L

  Date: 04/25/2025

  1 star
  Ive been trying to receive answers from this company regarding an insurance policy and just get the run around. Never anything concrete.Was sold a bill of goods by agent who has passed away now company wont help. Insurance is not what was represented to me!

  Protective Life Insurance Company

  Date: 04/28/2025

  Protective is currently in contact with the consumer regarding his concerns and we are actively working to resolve any issues.

• Review fromJewel B

  Date: 03/05/2025

  1 star
  This has to be by far the slowest and worst insurance company that I've ever dealt with. My Dad died Jan. 18. I called them from the funeral home (Jan. 21) to start the claim. The person we spoke then wasn't helpful and didn't seem to know or was able explain anything. They refused to even tell me (beneficiary) the policy amount. The funeral home submitted all of the information, but guess what? They told me that I need to submit it again. I faxed it over. I told there's a 7-10 business day wait to receive a letter via **** telling me the payout amount and date. Snail mail is unreliable, especially in this day in age of constant mail theft and fraud. After waiting the 7-10 business days, there's no letter. The claim status page on their website never works for me. I asked about having the payment sent directly to my bank account because it's no longer safe to send checks in the mail. Almost two months later and I'm still waiting. The other insurance company paid in 2 weeks. No one seems to know anything when I call.

  Protective Life Insurance Company

  Date: 03/18/2025

  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 consumer. If you desire a copy of our response, please contact the consumer.

• Review fromAshley H

  Date: 02/28/2025

  1 star
  Their **************** 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 fromEric P

  Date: 02/19/2025

  1 star
  Since October of 2024 I have lost three immediate family members all of which had life insurance policies with different companies. Two of those were paid in full within three weeks but the one from Protective still hasnt paid. The review process is a joke where they say they dont have all the documents yet we have confirmation of their receipt. They now acknowledge they have the documents but continue to delay the review process and provide no information as to why that is or what can be done to expedite it. We are well over four weeks in the claims process and we still cannot find out what the status is or if they are even going to pay at all. I would never recommend or do business with this company in the future. I have had to secure an attorney to get this process moving. In the mean time I have an estate to keep up and no money to keep it up with. The company seems to just read a script that says they are sport for my loss. Is this even a real company? I feel like we have been scammed. If they are indeed a real insurance company then I would say they need to hire an efficiency expert so they can redesign their SOPs to better meld with the rest of the industries response time. The company does not call or email even though they require all of that information to state a claim. What they do is send a letter once every 10 days. This is not efficient in a time when we have digital and immediate options and technology to communicate with. If I could give zero start I would. This company is a joke and I believe they know it. Its also funny because their website states they have wonderful reviews but ****** and the BBB say they have almost the worst. They seem to make money off of other people suffering. *******.

  Protective Life Insurance Company

  Date: 02/21/2025

  The Company received claim forms on January *******. The forms submitted were not in good order as a section of the form needed correcting and additional information was needed related to an assignment of benefits. The claim form was corrected on February 13, 2025 and the final missing document was received February 20, 2025. The Company is reviewing these corrected documents for immediate payment to resolve the 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 star
  I 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.