Protective LifeReviews of protective.com

Back about Jan. 2016 I got a $250,00 Life Ins. Policy with Protective Life, for annual premium of $786.43. Last Oct. of 2025 they asked for another $300 and some to cover me until 1/24/2026. I paid. Then in Jan. of 2026 my ANNUAL (12 Month) Premium of $786.43. Which means I am covered until 1/24/2027. Yesterday I got a notice that to cover me until 1/24/2027 I need to pay an additional amount of $530.10 and now that $250,000 policy decrease in value to $100,00 and some. WHY can't this company tell you on 1/24/ whatever year your premium is due just tell you the total amount for the year. And yes, I looked up in the Policy it does not say anywhere the ANNUAL PREMIUM would go up. Now I can see why they only get a 1.6 rating.

Our experience with Protective Life Insurance Company has been extremely frustrating and disappointing. My father-in-law, passed away on March 22, 2026. His daughter my wife is his only child. After issues concerning the beneficiary/payment of the policy had to be resolved, Judge Nancy Perryman Henderson County Court at Law signed the Order for his estate on September 8, clearing the way for payment. Protective Life received the necessary documentation and issued the check. However, despite having our correct mailing address—a P.O. Box—they sent the check to our physical address. What makes this particularly frustrating is that Protective Life had previously sent no fewer than 12 letters to our correct P.O. Box during this process. They clearly had the correct mailing address and had successfully used it repeatedly. Yet when it came time to send the actual payment, the check was sent somewhere else. When we contacted Protective Life about the problem, we expected them to stop payment on the original check, immediately issue a replacement, and send it to the correct P.O. Box by expedited USPS delivery. Instead, we were told it could take approximately 15 business days to issue a replacement check. After a family has already dealt with the death of a loved one and gone through the legal process necessary to resolve an estate, they should not have to endure additional delays because an insurance company sent the payment to the wrong address—especially when that company had repeatedly used the correct mailing address for previous correspondence. We have filed a complaint with the Alabama Department of Insurance regarding the handling of this matter. Based on our experience with the claims and payment process, I would not recommend Protective Life Insurance Company.

This company is absolutely awful. It might be nice to deal with when purchasing life insurance. But if you value your beneficiaries do not buy, the customer service is hit and miss, the actual can’t do anything when trying to collect on a claim. The claims department is the absolute worst, I mean worse than all internet, cell phone, and cable companies combined. It is an absolute joke, they will delay the claim as long as they can, they will tell you wrong information when looking for paperwork they request, that none of the life insurance companies needed when collecting when my mother passed away. If you actually love the ones you are leaving the insurance too, do not use this company. If you want to torture them make their life miserable at their time of grieving then definitely buy an insurance policy from this company. Otherwise stay away.i believe I started the claim in the first week of August they are still asking for more documents.

This is the worst company to trust with an extended warranty on your vehicle. I implore you to turn and run away from the dealers who use this company! Would not cover parts I needed, $800+ worth. They figure out what parts wear most commonly and the most common reason why they wear and use that reason as an exclusion. Please, please save your money. Use Car Shield if you can…

I was going to bad mouth this terrible experience with Protective and then I realized they are loaded with 1 star reviews. All I can say is they earned that 1 star, quite possibly the most unprepared and out of date business in their lane. Stay clear of this lemon!

If I could give protective life less than one star I would. Please stay away from this insurance company. I have had my policy with West Coast life who was then bought by protective life. I've had this policy for close to 40 years. When I moved, they never notified me of one missed payment in 40 years and they have now canceled my policy. They are awful! Do not and I repeat do not get your policy with this organization. Customer service is also horrific.

Protective life insurance is legit and honest. Myself and family will always be member. I was in need of a loan process was professional and precise..

My Father passed away and had an annuity with this company. For two months I am trying to get answers. I have written to the CEO and no response. Please do not use protective life. They seem to be hiding information from the customer. No clear and honest answers. Forced me to hire an attorney.