Reviews

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.

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.

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. *******.

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.

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!

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.   

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.