Reviews

Protective 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.

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.

The 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.

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.

Absolutely 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!!

We are working with the customer under separate cover to identify the policy in question.

So 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.

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.

I am deeply disappointed with my experience with Protective Life. I began an online application to get a life insurance policy for my 66-year-old mother, who is a native Haitian and has been living in the **** for over five years. The online process required me to call to verify some information, which seemed simple enough.However, during the call, the representative outright told me they do not provide policies to people who don't speak English or Spanish. This policy is not only discriminatory but also deeply unfair, as my mother is a hardworking individual who deserves the same access to life insurance as anyone else.This experience left a bad taste in my mouth, and it raises serious concerns about the company's inclusivity and fairness. I expected better from a company claiming to protect families and provide financial security. Discrimination based on language is unacceptable, and I hope Protective Life revisits and revises this practice to serve all individuals equally.

Thank you for taking the time to give feedback. We appreciate the opportunity to provide additional information. The reason we are only able to accommodate Applicants who speak/write/comprehend either English or Spanish is because we are only authorized by the state Departments of Insurance to conduct business in either English or Spanish. Accordingly, we are unable to provide or allow translation services or family members/agents assisting in answering application questions and/or completing the interview since the Applicant must be able to speak/read/comprehend the application questions in either English or Spanish and attest to their own answers and agreement in English or Spanish. There are other life insurance companies - approved by state Departments of Insurance - who accept languages other than English/Spanish; are able to service customers in languages other than English/Spanish; and have applications/forms/policies in other languages that been approved by state Departments of Insurance. Thank you for the opportunity to respond and provide clarification.

If I could I would give them a 0.5 rating based on their lack of response and time this has taken. What an ordeal it has been dealing with Protective after my mom passed away unexpectedly. Let's start with the fact that they do not have a set process in place beyond sending you the paperwork to be completed for a claim after a loved one has passed away. They communicate that there is a process, but their actions do not align with their words. I have documented every step and communication so I can update each representative how frustrating this has been. I am not sure what is going on with the processor end for the claims which tells me their leadership is a mess. Been wondering if the processor side of the line of business is under-staffed, incompetent, lazy, or just stalling on the claim in hopes something will go wrong and they don't have to pay the claim. This is not an organization you want to deal with during such a difficult time in life. They should be ashamed of themselves and their leadership should really look into process updates, project management trainings for the processors and hold themselves and their staff accountable to meet deadlines. They could really benefit from a consultant coming in for an assessment or some type of six sigma training. Also, let's get to the point as life insurance isn's just some product bought at a store like a piece of clothing or electronic. This is about a loved one passing. They are in a very important position where care and understanding meet compliance, efficiencies and attention to details.Honestly, after all the reviews I have just looked at online I cannot believe they are allowed to be in business and continue in this fashion. Shameful!

We extend our sincere apologies for your customer recent claim experience. This review has been submitted to our executive management.  Our customer's claim has been processed with the appropriate claim interest through time of payment.    

Do not do business with this company. Unless you want to have the company pull money from your bank account without consent on your part. I purchased a 20 year Term Life policy in 2004 from this company for me and my wife. Throughout the 20 years, the policy premiums were drafted from our account without fail. Annually we would receive a letter from WCL showing what our policy costs would be AFTER our 20 year Term policies expired should we want to continue. We did not wish to continue our policies. Our policies expired and BAM! Our account was auto-drafted for the NEW much higher policy rate. After several calls and emails to the company assuring us the charges would be reversed...still no refund! Only forms to sign, have witnesses sign and returned with a hard deadline. Funny...they required NOTHING to extend our policies and were more than happy to draft payment from our account...but now lots of hoop jumping and signatures needed to cancel policies we never approved. Lots of great companies out there...this is not one of them.

****************, Thank you for your review. We regret the experience you have encountered as this is not the Protective way. Please be assured it is our goal to provide quality service and it deeply disappoints us when we do not meet our customers expectations. We sincerely apologize for any inconvenience that may have been experienced as a result of the resent premium increase and refund request. Our records indicate a refund of the increased amounts is being processed for both policies. The funds will be electronically transferred back into the account originally drawn from. A more detailed letter will be sent to the address of record for each policy holder regarding this matter.

If it were possible, I would give Protective Life negative 5 Stars! They have messed up my *** ************ pretty much every year since they acquired it a decade or more ago. Every time I make a ************ it turns into a fiasco. I cannot count how many hours I have spent on the phone with them attempting to straighten things out. I have asked them over and over again to please straighten things out. Several times theyve actually lost my ************ check even though I send it certified mail with a cover letter (exactly as per their recommendations). I have had two supervisors (*********************, *****************************) assigned to me who admit and apologize profusely for the companies incompetence and vow to work directly with me on future ************s but when I call and/or email them I get their VM and never receive a reply or return phone call. If making a ************ is this nightmarish I can only imagine the horrors that await me when it comes time to make withdraws. One the most frustrating things about all this is that I did not originally open the *** with them. They acquired my account and I had NO say in it. I honestly do not know how they stay in business.

Thank you for contacting us on this matter. In response to your request, we have provided you with an audit of contributions received and the associated tax year along with a direct contact for any additional needs.Thank you Protective Life