Bad
Based on 44 reviews
Protective Life1.4Honesty, pricing, process and quality scores appear once 5 customers have rated them.
We are on a mission to help more people achieve the sense of protection and security they deserve. Through our subsidiaries, Protective offers life insurance, annuity, and asset protection solutions, helping over 14.4 million people safeguard what matters most. Protective’s more than 3,800 employees prioritize people and uphold the company’s promises to customers, partners, colleagues, and communities—because we’re all protectors. With a long-term focus, financial stability, and a commitment to doing the right thing, we have been protecting people for more than 100 years.
Protective Life (protective.com) has 44 customer reviews on Folks Told, with an average rating of 1.4 out of 5.
44 approved reviews, newest moderated first
Rebecca S.
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.
Ronald
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
J.D. R.
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!
Steven F.
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
Michael R.
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!
Sarge
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.
Hal T.
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.
Paul R L.
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.
