Protective Life - Birmingham レビュー 16

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

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.

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

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.

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.

I filed a life insurance claim to pay out my deceased mother’s life insurance policy on April 18, 2025. Five days later, on April 23, they finally emailed me the claim forms. I got the necessary death certificate and mailed back the completed forms on April 25. Having received no response from them I called them on May 8 to (almost 2 weeks later) confirm their receipt of all necessary papers. Then I called again on May 13 to find out what was taking so long. Their claims website was absolutely useless and said they were still waiting for forms. Again on May 15 I called and their service representative said everything had been approved and that I would receive a payment of $56,212.86 in my bank account by Friday. No payment went into my account. Instead, late Monday, I received an email saying that there was a problem with the signature dates on section F of my claim form and that I would have to re-submit it. But section F of the form has no signatures or dates. At this point we are more than a month post-filing and I am getting a strong feeling that they are deliberately stringing out the process to delay payment for as long as possible. So I called again the next day (May 20) and spoke to representative Bryan. He looked over the documents and said that the email should have referred to section E of the form with my signature and a witness signature, but that the signatures looked correct to him. Then he queried someone else who told him that the date of the witness signature wasn’t clear. Note that the witness signature is of no legal value - could be anyone, no notary stamp is required. At this point I am very angry, but agree to send in a re-signed copy by email, which I did the next morning, May 21. Yesterday, May 28, I called again to find out why I hadn’t received my payout yet, and was told it would take 7 to 10 business days for the payment (a direct bank transfer) to go through. No reason in the world why it should take more than a few hours once the forms are completed, but here I am 6 weeks later still waiting to be paid. Do not do business with these people. They will take your money, then slow-walk your payout to keep every cent of interest they can.

Sent from my iPhone

This has without a doubt been the worst customer service i’ve ever had the displeasure of dealing with. my mom passed away december it has been over 5 months dealing with this horrible company. They are terrible about getting back to me and keep sending me things saying im missing documents or something is incorrectly filled out but when i call to ask what specifically is wrong they either tell me they don’t know or there isn’t anything wrong or they can’t tell me but they will have the person in charge of my claim call me back. guess who never gets a call back. they are so incredibly incompetent. I have had to mail in 4 different claims as they kept coming up with new things that needed to be fixed despite me clarifying with them prior how it should be filled out.

The fees in their variable funds are so high there is no way you should invest with them. I bought to variable policies, have last value, and they make it impossible to choose funds (including research) or move funds. ZERO transparency and ZERO customer service.

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

Great carrier. Underwriting was efficient, got a better rate then what was applied. Both my wife and I are very happy.

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!

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.

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

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!!!