Protective LifeReviews of protective.com

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.

I don’t want to give them 1 star, I purchased from another Insurance company 24 years ago, It was sold 5 times , finally to this company, My husband turns 76 this week and I get a letter saying they dropped me! This company is a damn scam! I’ve called a attorney so hopefully this won’t happen to someone else

Great carrier. Underwriting was efficient, got a better rate then what was applied. Both my wife and I are very happy.

They do NOT want to pay!! I have to keep calling over and over for every little picky thing they find wrong with my paperwork! This is $200,000 we are talking about!! Today they can't read my submission--BS!!. I had gone over every SINGLE page with them about what I needed to fill out, and now THIS! I'm not giving up!! They will pay!! I will go to the Insurance Commissioner to force them to pay!! This runaround is ILLEGAL!

They are such a bad insurance company that I have experienced. First of all employees all act inexperienced. they never get back to the customers. I have to get in contact with the person that referred this insurance , they contact them of results. They Lie. For example, they say they requested information from the doctor office. This last time they never did. And they said that it was requested. I have never experienced such a poor and bad insurance. Thank you

I have been trying since June 2024 to process claims for my 3 children. I sent in all required paperwork. I call and they tell me someone will call me back. No one ever calls back and I receive letters stating that I am missing documents or my paperwork is incomplete. Then the process starts all over again with me calling.