Protective Life Reviews 

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.

Terrible customer service. It took them 2 months to respond to an inquiry. I've been a client for years. Not any more!

My nightmare began when I met a so-called expert on Facebook Dating discussing liquidity pool mining. Tears of frustration blinded me. They fronted me 12.02 SOL to start. I deposited it, traded, and pulled out 25.76 SOL without a hitch. Hooked by the easy money, I was manipulated into investing $177,039 using my retirement fund. The fake profits ballooned to $1,015,244. When I tried to cash out $830,404, the trap sprang: a mandatory 5% processing fee ($41,520). Blinded by the sunk cost, I paid it. But when they asked for an additional 19% international release fee, the horrifying reality set in. I was being scammed. A financial advisor recommended a private investigation group (fiscop advisor). They meticulously traced the SOL ledger to Binance P2P, isolated the scammer's fiat off-ramp, and managed to reverse the transaction.

Review of Protective Life Insurance — max 1 Star

I started my application with Protective on April 5th. Today is May 12th, and the application is still stuck in underwriting with no meaningful progress. The entire experience has been one of the most frustrating, disorganized, and unprofessional processes I’ve ever dealt with.

Throughout this ordeal, Protective repeatedly asked me for the same information multiple times, even though I had already submitted everything they requested. Ten days would pass, and then they’d ask again for documents they already had. It’s as if no one is actually reviewing the file.

Their so‑called “secure” document upload portal is completely unusable. Every attempt resulted in an error. I asked my assigned agent several times to get this fixed, and nothing was ever resolved. No follow‑up, no solution, no accountability.

The process itself is stressful, invasive, and unnecessarily humiliating: endless personal questions, financial disclosures, bank accounts, net worth, medical history, blood tests, urine tests — all for a basic 10‑year, $150K policy. The level of hassle is absurd compared to the product being offered.

To make matters worse, while Protective dragged their feet for over a month, I applied with a different company and was fully approved in less than one week. That contrast says everything.

I am genuinely shocked that Costco is promoting this company. I will be contacting Costco directly to make them aware of how poorly Protective treats applicants.

Protective has wasted my time, ignored my concerns, and delivered nothing but stress and inefficiency. One star out of five — and that’s generous. Never again.

No answers no response after ma ny phone calls In months

They sent me a policy renewal noting that a change in premium was allowed. Went from ~$60 per month to $500 per month. Wow!

Shana L Morgan
Please call me 7043085030

My sister died December 13, 2025 I’m the issuer she had no kids or husband they are making it hard for me to gain ownership involving my other siblings to sign forms when they are not on the policy who I have no contact with because of various reasons I’m not only grieving her death I’m broken hearted of the way they are treating me please will someone help me

I bought a ten year term policy (at least that was what I was told) twelve years ago, and noticed today that I'm still paying monthly premiums. So I looked up the policy through their online portal and noticed that it was not technically a ten year term but much longer but the benefit drops significantly after ten years. I can't find any electronic communication from when I signed up for the policy to indicate that it was ever communicated to be more than a ten year term policy. I've now canceled the policy. Still thankful I never had to make a claim.

I've been paying for a policy for 29 years and they inform me that my SSN was never attached to my policy that I've been paying for since 1996. They do this so it's difficult for your beneficiary to get paid. If there's no policy tied to your SSN, there's a long drawn out process to get paid. They hope the elderly grow tired of dealing with it and give up. I've sent in one W9 already to get the SSN attached and they never received it (email by the way hahaha). Asked for them to email me another W9 and now they won't even send it. Life insurance is a huge joke... Transamerica is no better

The onboarding process was painful, as the agent entered my birthday wrong. Thus, the customer portal refused to log in. I called support three times time and each time was told the issue was fixed. It was not. The process gets more complicated and worse as you try to navigate poor customer service.

I had to send in my paperwork 3 times. Even though I got a confirmation they still didn’t have it when I checked back and were not interested in seeing the confirmation. Hard to get a real person on the phone and their automated system gives you wrong answers. If you care about your loved ones buy your policy from some other company.

We have been trying to get a claim paid out for six months they will not communicate with us and keep sending us the same form letter. This company is a scam they will not pay out your money they only want to steal it in your time of grieving

My mother died in October with a $1 million dollar life insurance policy that had been held for years. I submitted all of the required paperwork 3 times and kept having Protective make me jump through more and more hoops. Their customer service reps were incredibly unhelpful and stalled at every point. I had 3 other life insurance companies pay out in exponentially less time than Protective and 3 months later I still have not received a check. Awful company, will not use for my own personal policies.

DO NOT, DO NOT do a life insurance policy with this company. I have two policies, both are Variable Universal policies. There were so many hidden fees all of the gains were wiped out. The customer was service was non-existent. You can not get a human on the phone but if you do, you will just repeat your account number, name and other details to different people before being disconnected. I am still waiting on my loan to be funded. YOU HAVE BEEN WARNED!

Difficult to talk to a person
Difficult to withdraw YOUR fund from
Your annuity .
I asked tgem to sdnd me a form numerous time...they dont follow through
Voluminous amount of other irritants dealing with Proactive life

This company could not disqualify me due to age, so they trumped up reasons to tell me I was unsuitable! I have no health issues! I take blood pressure medicine to keep my blood pressure in check and have yearly checkups, and my doctors have always given me a clean bill of health and said I'm in great health. However, since I'm 72, I guess the life insurance company is choosing to play the law of averages! Here is a greedy company that needs to create excuses for turning down potential clients. STAY AWAY from Protective Life!

NOTE: File a complaint with the Alabama Insurance Department. Delays and multiple requests for "missing documentation" with zero description of the supposed missing items. Four (4) sets have been filed with my father's death certificate. This seems to be a fraudulent and deliberate process of not paying claims. No company could be this incompetent and have 196 Better Business Bureau complaints in 3yrs unless it was intentional. Be sure to file a complaint with the state of Alabama Insurance Department.

My Twenty year term policy expired on October 4, 2025. I was not given any kind of "Thank You" for being a 20 year customer, never missing a payment of $68.95 per month. All I got was a notice that my November Payment would be $1,403.94 as they automatically converted the policy to a "Fixed premium insurance policy and if payment was not received as due, the policy would be cancelled. This, in my opinion, was disrespectful and and very poor service for a company to completly disregard the long term arrangement. I will not refer this company to anyone in the future.

I had a troubling experience with this company that has left me questioning their integrity and professionalism. Despite undergoing various tests confirming that I experienced a one-time vasovagal event caused by excessive work hours, the assessment I received denying my coverage was fundamentally flawed. It appeared the company was more focused on finding reasons to deny legitimate claims rather than providing support.

Additionally, I have serious concerns about how they handle personal information and the security of records. It’s unsettling to think that sensitive data is managed by a company that prioritizes denial over care.

I would strongly caution anyone considering doing business with this company.

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.