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.
Showing 38 reviews with 1 star · Clear filters
Gladys B.
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
Ellen
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!
Vicky
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
Juliann D.
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.
Dessah C.
RUN for your life! Literally, this company is a joke. I’ve used them for 10 years and have made payments (monthly) for 10 years. Getting them to cover a very small claim has been a nightmare - absolutely ridiculous haha RUN
Shannon R.
If I could give zero stars i would. I've called August, September, October & twice in November because they cannot use autopay for some unknown reason and took payment out of his cash balance. Every call they say everything is fine, it will auto draft next month. It doesn't. I'm on hold now 1 hour & 40 minutes at this moment wondering if they left work and just didn't hang up. No one has been rude but no one seems to figure anything out. We were also told we'd receive a call for ticket in 3-5 days. 6 business days later I'm calling them. 1 hr 43 minutes now. This company is RIDICULOUS. ***UPDATE: They called saying since he has a partial disability waiver that pays about $90 (due to a brain hemorrhage) he can never enroll in autopay. They sent him a letter saying he could and let him enroll on their portal. It took from July to December for that to be the answer.😒 Let's see how January works out.🙄🤞🙏🏻 Happy Holidays everyone!!!
Tanny
Sorry if the review has any spelling or grammatical errors as I am extremely frustrated with this company and it is a very difficult time for me and my family. 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. Didn't even know she had this policy until I saw the direct withdrawals coming out of her bank account monthly and then I saw her paperwork in her files. 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 below so others can be aware that the Protective representatives are a delight, but 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. I don't want to sound so negative, but lack of actual answers has left me to my own assumptions. Either way, 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. Documented Process for On-Going Claim: 10.9.24 started claim for passing of my mother (updated that it will take 3-5 days to verify beneficiary). Will receive a case number / confirmation number via email. Beneficiary to fill out paperwork once it comes. 10.17.24: Received paperwork. Completed and submitted paperwork on 10.17.24 via email. 10.21.24: Checked status on 10.21.24 based on automatic email sent back. Learned that the paperwork submitted via email also asks you to upload the same documents yourself. Uploaded the death certificate, claim form and activation policy. Same information we emailed was uploaded just in case to ensure there were no delays or miscommunications with Protective. 10.25.24: Spoke to representative on 10.25.24 who updated us that within 7-10 business days the processor will review the claim for either pay out or follow-up via mail with more questions if something was not completed properly. Updated our paperwork was received on 10.21.24 and everything looked correct (signed and dated in correct locations). 11.4.24: Spoke to representative on 11.4.24 who said all of our paperwork had been received on 10.21.24. We should hear back by Thursday (11.7.24) via direct deposit/email/call or we should call them back as that would be past the 10 business days. 11.8.24: Spoke to representative who looked at paperwork again and said nothing looked wrong with it. She then told us she would send a message to the processor on our behalf so he can call us back directly. The representative took down our cell phone number so he could call us directly with an update or questions (calling from 800 or 205 number). 11.11..24: Spoke to representative again regarding no update on policy claim. She checked once again the paperwork we submitted on 10.21.24 and said everything looked correct and there were no issues with our submissions (as of today it has been 15 BUSINESS days since the paperwork was received by Protective). The representative placed a high urgency request for the processor to make phone call to our cell to provide us with an update or explanation regarding the delay (updated us that it will be around 24-48 hour timeframe before we hear from the processor).
Valencia J.
People beware of protective life insurance My father been with protective life since 1994 he is now 82 years old now they trying to tell to pay $1,000 per quarter because they didn't expect him to live this long now they tried to deny his claims people please beware
