2023 Protective Life Insurance Review - PinnacleQuote

2023 Protective Life Insurance Review

Our blog is about providing information on the best ways to protect your family. We cover all topics from life insurance, health insurance, and retirement planning. Today we will be talking about Protective Life Insurance Company’s new products for seniors.

Protective Life Insurance Company has launched a series of new products that are designed specifically for seniors concerned with protection in their later years such as guaranteed income coverage and annuities that provide a monthly paycheck until death.

These policies are perfect for those who want safety in their golden years without having to worry about money issues or medical care costs when they’re most vulnerable.

If you have any questions please feel free to contact us using the form below!

Who Is Protective Life Insurance Company

Above all, as an independent agent, 100 years plus Protective Life Insurance Company is my go-to carrier. In fact, from top to bottom, from start to finish they are my carrier of choice.

Furthermore, Protective Life term and UL products are among the best products in the industry and come with many options to fit the client’s needs. 

With that said, Protective Life Corporation was founded 112 years ago in 1907 by Governor William Dorsey Jelks. Headquartered in Birmingham, Alabama, their products are available in all 50 states.

The company is a tremendous success and continues to grow year in and year out with just under 3,000 employees, annual revenues of just under $5 billion and assets of 75 billion. 

Over the years Protective Life has had some subsidiaries that they accumulated. 

  1. Protective Life and Annuity
  2. West Coast Life Insurance Company
  3. Lyndon Property Insurance Company
  4. MONY Life Insurance Company
  5. ProEquities Inc./Protective Securities
  6. Protective property-casualty insurance company

Again, the company continues to grow and add assets that make sense to the successful business model. They continually focus on financial security and asset protection!

Protective Life Community News

Protective life is proudly a sponsor of The World Games 2021. They were also proud to announce Athlete of the Month, Austin Staats. A lacrosse player from Six Nation, Ontario. 

Who Owns Protective Life Insurance Company

Protective Life is owned by Dai-ichi Life Holdings, Inc which is in the top three of insurers revenue-wise in Japan. Moreover, Dai-ichi life Holdings was founded in 1902 making it one of the oldest mutual insurance companies in Japan.

However, in 2009 it was demutualized and began trading publicly on the Tokyo Stock Exchange. Dai-ichi is an enormous company with over 33 trillion yen in assets, more than doubling the total assets of #2 Tokyo Electric Power.

The company has over 60,000 employees making it one of the biggest employers in Japan!

For more information feel free to visit their website by clicking here.

Protective Life Insurance Rating

Finding out what rating agencies rate life insurance companies is always a smart thing to do before deciding on a company. As a national independent agent, offering Protective life products to my clients assures me that the relationship will be solid as a slate of marble!

In fact, they are always among the top rates for their term products and UL products. Especially if you are in good health. 

With that said, they have a A+ (Superior) rating with AM Best, with a stable outlook. These ratings are an excellent indicator of how financially sound a company is. 

Overall, Protective Life Insurance Company’s financial strength ratings are phenomenal!

So when a client asks, “Is Protective Life a Good Company?”, I say, “no, it’s a great company!! I have been doing this for over 26 years, I MYSELF HAVE A POLICY with Protective Life!

Which I Do!!

Protective Life Insurance Reviews

Protective Life Insurance

Protective life is not accredited by the Better Business Bureau (BBB).  However, the BBB has given the company an A+ rating.  There have been reported 49 complaints within the last 3 years. Which all have been closed. 

You will find in any one company, there will be satisfied and unsatisfied customers.  Every insurance company does its best to meet the needs of its customers on a daily basis for customer satisfaction.

If you find that you do have an issue, call customer service or even PinnacleQuote. Quite possibly we can help you.  See the phone numbers below.

These will assist you with products like Protective term life insurance reviews and Protective Life and Annuity insurance company reviews.

Protective Life Insurance Review And Company Products


Term Life Insurance

This is the most basic, and most affordable of life insurance plans. Buying Term life insurance offers death benefit coverage for a temporary amount of time. Usually, you can choose between 5, 10, 15, 20, or even 30 years of coverage. Remember though, if you run out of life insurance and you need to reapply when you’re older, it can be much more expensive to get life insurance at 50 – 80 years of age.

Protective Life has 2 term types of life insurance to choose from.

  • Protective Classic Choice Term – This is one of the best prices term policies on the market. In addition, Protective Life offers the fastest underwriting process with top notch customer service.
  • Protective Custom Choice Term – This product gives you the opportunity to keep your life insurance after the term is up whereas the premiumn would stay the same. However, the permanent coverage will decrease annually (AFTER TERM IS UP) from the previous years face amount. Usually between 6 percent and 12 percent depending on the age and rates class. The key to this product, you DO NOT have to prove insurability to keep the policy!

As an agent, I have Protective Custom Choice Life Insurance for one of my policies.

Universal Life Insurance

This is a permanent life policy, unlike whole life insurance, so you won’t need to worry about outliving your plan. Universal life insurance plans are more customizable than whole life insurance plans. With this permanent life insurance plan, there is also the opportunity for cash value accumulation, unlike with term life insurance.

Variable Universal Life Insurance

This carries all the same features as the traditional universal life insurance plan, with a few differences in the cash value build-up options. Namely, there are more investment opportunities to choose from with a variable universal life insurance plan or index universal life insurance. However, it’s important to remember that investing cash in indexed universal life insurance can potentially lose money if the market is down.

Survivor Universal Life Insurance Coverage

Universal life policies will cover two people with one plan. The death benefits are paid out to the other insured person upon death. It provides accidental death benefit rider protection, plus cash value build-up opportunities. This cash, like with different kinds of life insurance options, can accumulate on a tax-deferred level.

As you can see, Protective Life has several kinds of life insurance plans to choose from. It’s important to put a lot of consideration into your choices. After all, picking a life insurance policy is one of the most important financial decisions you can make.

Protective Online Customer Service

See below. Protective makes things simple for you so you can go on living your life and spending time doing what is important ~ Your Family!

Customer Service online

Just enter your Protective life insurance login information and you will be good to go! You can do a few things via the online login, such as:

  • Review your life policy
  • Check Protective insurance claims
  • Find Protective insurance company claims phone number
  • Check on your Protective annuities

With that being said, we do realize that sometimes it can be frustrating going through automated phone lines and not getting a human on the phone or even having technical difficulties online. 

Here at PinnacleQuote, Danny Ray is the Owner/Independent Agent.  You get one on one quality service. If you ever have a question that is not answered directly by the company, feel free to contact Danny anytime!  (855) 380-3300.

Protective Life Insurance Customer Service Number

If you need to speak to Protective Life Insurance customer service directly, here is their contact information.

Headquarters:   PO Box 2606, Birmingham, AL 35202-2606. 

Protective Life Insurance Company Birmingham AL Phone Number

Protective Life Insurance Phone number is  (800) 866-9933.

Life Customer Service for In-Force Policies

Contact with general questions and inquiries on an in-force policy including policy maintenance, disbursements, and changes such as a premium mode, bank draft, beneficiary, ownership:

Hours of Operation:
Monday – Thursday: 8:00 a.m. – 7:30 p.m. ET
Friday: 8:00 a.m. – 6:00 p.m.ET

Phone: 800.866.9933

Protective Life Insurance Fax Number: 205.268.3402

Email: ladphs@protective.com

What they will handle:

  • Protective life insurance forms
  • In addition to Protective life and annuity information
  • If needed they will provide Protective life insurance company change of beneficiary form and much more!

Protective Life Insurance Customer Login

Above all, Protective Life makes it very convenient for the policyholder to access their policy. In fact, here is the link to Protective Life Insurance login for policyholders.

Protective Life Login

When logged in you can access forms such as Protective Life Insurance company change of beneficiary form. You can also request policy changes, conversions and pay your premiums.

Protective Life Insurance Agent Login

Here is the Protective Life Agent Login

Click Here

First, PinnacleQuote is here to help. Second, Speak with one of our agents, and they’ll be able to answer any and all of your questions. Third, We can help set you up with the best life insurance companies and find the most reasonably-priced policies for you. Finally, Working with us will save you a tremendous amount of time, energy, and money.


I have had the privilege of selling a wide range of life insurance products and carriers over my career. So, when it comes to selecting an agent or carrier for your needs, you can be sure that I know what’s best for you because in so many ways 100 years plus Protective Life Insurance Company is my go-to carrier.

From top to bottom, from start to finish they are my carrier of choice! Give me a call today at (855) 380-3300 if you want more information on how we can help protect your future with their innovative policies.


Above all, you want to make sure when shopping for life insurance that you want to go with an independent agent over a captive agent. Actually, PinnacleQuote is a licensed national independent life insurance agent in 49 states. 

At the same time, has relationships with dozens of carriers. In any event, if you’re looking for a simple process, then let PinnacleQuote hold you by the hand. Therefore, we will provide you with the best life insurance rates in the industry, that’s made possible by the relationships we have accumulated over the years.

Danny Ray Independent Agent

Ultimately, with 26 years experience in the Investment/Life insurance industries, PinnacleQuote will provide you the best service to protect your family.

Danny Ray Founder/Independent Agent

More Important, If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.