{"id":331750,"date":"2025-11-11T14:37:31","date_gmt":"2025-11-11T19:37:31","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=291801"},"modified":"2025-11-11T14:37:31","modified_gmt":"2025-11-11T19:37:31","slug":"protective-life-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/protective-life-review\/","title":{"rendered":"Protective Life Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Protective Life Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Reviews.com rates Protective Life insurance a 4.2 out of 5; Protective\u2019s operating companies carry an A+ (Superior) Financial Strength Rating from <a href=\"https:\/\/ratings.ambest.com\/companies\">AM Best<\/a> with a Stable outlook.<\/li><li>Current portfolio emphasizes Classic Choice Term and multiple universal life options (Custom Choice UL, Advantage Choice UL, Lifetime Assurance UL), plus Indexed Choice UL and Strategic Objectives II VUL \u2014 see Protective\u2019s product pages for details and availability.<\/li><li>Term shoppers can obtain online quotes on Protective\u2019s site; level periods commonly range 10\u201340 years with a conversion window to eligible permanent policies, and riders such as accelerated death benefit, children\u2019s term, waiver, and accidental death are available on many forms (<a href=\"https:\/\/www.protective.com\/life-insurance\/term-life-insurance\">term life<\/a>).<\/li><\/ul>\n\n\n\n<p>Protective Life Insurance is a value-focused option when comparing <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/best\/\">life insurance company<\/a> choices. Financial strength remains upper tier (AM Best A+; Stable outlook), and the company supports digital servicing with a centralized Support hub for account access, payments, forms, and online life-claims initiation (<a href=\"https:\/\/www.protective.com\/support\">Support<\/a>; <a href=\"https:\/\/www.protective.com\">life claims<\/a>).<\/p>\n\n\n\n<p>In this Protective review we considered product breadth, pricing posture, digital resources, financial strength, and policyholder experience. For satisfaction benchmarks, see the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-individual-life-insurance-study\">2024 J.D. Power U.S. Individual Life Insurance Study<\/a> (1,000-point scale). To add broader consumer context, the <a href=\"https:\/\/www.theacsi.org\/industries\/finance-and-insurance\">American Customer Satisfaction Index<\/a> reports a 0\u2013100 score for life\/annuity\/retirement providers, and the NAIC\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Company Complaint Index<\/a> shows complaint frequency relative to market share (index=1.00 is average; lower is better).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Protective Life Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_6078b45f5c634\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Protective Life Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">4.2<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1907<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best: \n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A+<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power: \n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">2024 study: not top-ranked<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Protective\u2019s financial strength remains a highlight: AM Best affirms an A+ (Superior) FSR with a Stable outlook for Protective Life Insurance Company and core subsidiaries \u2014 see <a href=\"https:\/\/ratings.ambest.com\/companies\">AM Best<\/a> or Protective\u2019s <a href=\"https:\/\/www.protective.com\/about-protective\/financial-strength-ratings\">Financial Strength Ratings<\/a>. In J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-individual-life-insurance-study\">2024 study<\/a>, Protective was not among the top-ranked carriers for overall satisfaction. For complaints, review Protective\u2019s latest life-line Complaint Index via the NAIC <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Consumer Information Source<\/a> (index=1.00 is average; lower indicates fewer complaints than expected for size).<\/p>\n\n\n\n<p>Coverage options span level term and multiple permanent designs. Protective\u2019s term\u2011like <em>Custom Choice UL<\/em> provides flexibility to continue coverage beyond the initial level period (often with a gradually reduced death benefit), and you can tailor many policies with riders such as accelerated death benefits (terminal illness and, on select permanent policies, chronic illness), waiver of premium\/monthly deductions, children\u2019s term insurance, accidental death benefit, an income\u2011structured payout rider, and overloan protection (<a href=\"https:\/\/www.protective.com\/life-insurance\/universal-life\/custom-choice-ul\">Custom Choice UL<\/a>; <a href=\"https:\/\/www.protective.com\">Income Provider Option<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros vs. Cons\"><\/span>\n    \n\n\n<section id=\"block_6078b4b85c639\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Many different riders for customization<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Protective offers a broad rider set across term and permanent products (e.g., accelerated death benefit for terminal illness; chronic illness on select permanent policies; waiver of premium\/monthly deductions; children\u2019s term; accidental death; Income Provider option; overloan protection).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Flexible universal life designs<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Custom Choice UL mimics level term premiums for a chosen period and can continue coverage with an adjusted death benefit; Advantage Choice UL and Lifetime Assurance UL target lifetime protection with flexible or guaranteed structures.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Digital support and online quotes<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Protective provides online term quotes and a Support hub for payments, forms, and initiating life claims online (self\u2011service varies by product\/state).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Strong financial strength<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">AM Best assigns an A+ (Superior) Financial Strength Rating with a Stable outlook to Protective\u2019s core life companies, indicating a superior ability to meet obligations.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Not top-ranked in latest J.D. Power study<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">In J.D. Power\u2019s 2024 U.S. Individual Life Insurance Study, Protective was not among the highest overall satisfaction brands.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No participating whole life focus<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Protective\u2019s consumer lineup centers on UL\/IUL\/VUL rather than new participating whole life policies; those seeking dividends may prefer mutual carriers.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Purchases often completed with an agent<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">You can quote term online, but applications and underwriting steps vary; many policies are finalized through an agent depending on product\/state.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Protective Life Insurance Highlights\"><\/span>\n    \n\n                \n<section id=\"block_6078b5165c641\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Protective Life Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage &#038; Riders\r\n <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Before You Buy <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage &#038; Riders\r\n\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Protective\u2019s lineup balances value and flexibility. Classic Choice Term (level periods commonly 10\u201340 years) includes a conversion window to eligible permanent policies (<a href=\"https:\/\/www.protective.com\/life-insurance\/term-life-insurance\">term life<\/a>). Permanent options include Custom Choice UL (term\u2011like UL that can continue with an adjusted death benefit), Advantage Choice UL (current\u2011assumption UL), Lifetime Assurance UL (guaranteed UL), Indexed Choice UL (IUL), and Strategic Objectives II VUL.<\/p>\n<p>Policyholders can customize coverage with riders (availability varies by product\/state):<\/p>\n<ul>\n<li>Accidental death benefit<\/li>\n<li>Accelerated death benefit (terminal illness; chronic illness on select permanent policies)<\/li>\n<li>Waiver of premium\/monthly deductions<\/li>\n<li>Overloan protection (permanent policies)<\/li>\n<li>Income Provider Option for structured beneficiary payouts (<a href=\"https:\/\/www.protective.com\">details<\/a>)<\/li>\n<li>Term rider (additional temporary coverage on permanent policies)<\/li>\n<li>Children\u2019s term insurance<\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Protective was not among the top-ranked carriers in J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-individual-life-insurance-study\">2024 U.S. Individual Life Insurance Study<\/a>. For complaints, consult the NAIC <a href=\"https:\/\/eapps.naic.org\">Company Complaint Index<\/a> for the life line of business (index baseline = 1.00; lower is better). For a complementary view of satisfaction, the <a href=\"https:\/\/www.theacsi.org\/industries\/finance-and-insurance\">ACSI Finance &#038; Insurance<\/a> report provides a 0\u2013100 score for life\/annuity\/retirement providers.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Before You Buy\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Depending on product, state, and your profile, you may qualify for accelerated underwriting with no medical exam. You can obtain online quotes for term life and manage common servicing needs through Protective\u2019s <a href=\"https:\/\/www.protective.com\/support\">Support hub<\/a>, including <a href=\"https:\/\/www.protective.com\/support\/make-a-payment\">payments<\/a> and <a href=\"https:\/\/www.protective.com\/support\/claims\/life-insurance-claims\">life-claim initiation<\/a>.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"life\" title=\"Protective Life Insurance Policies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Protective Life Insurance Policies<\/h2>\n\n\n<div id=\"block_6078b56d5c646\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Term life insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Protective Life\u2019s <\/span><a href=\"https:\/\/www.protective.com\/life-insurance\/term-life-insurance\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">term life insurance<\/span><\/a><span style=\"font-weight: 400;\"> offers level term periods commonly from 10 to 40 years with competitive pricing and a conversion privilege to eligible permanent Protective policies during a defined window, typically without new medical underwriting. It\u2019s well-suited for individuals and families seeking affordable protection with future flexibility. You can get a <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/\"><span style=\"font-weight: 400;\">life insurance quote<\/span><\/a><span style=\"font-weight: 400;\"> on Protective\u2019s website by providing basic information.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078b58b5c647\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Whole life insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><a href=\"https:\/\/www.protective.com\/life-insurance\/whole\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Whole life insurance<\/span><\/a><span style=\"font-weight: 400;\"> provides level premiums, guaranteed death benefit, and cash value growth. Protective\u2019s current consumer-facing lineup emphasizes universal life options rather than new participating whole life policies. If your goal is guaranteed lifetime coverage with predictable premiums, consider Protective\u2019s guaranteed UL option, <\/span><a href=\"https:\/\/www.protective.com\/life-insurance\/universal-life\/lifetime-assurance-ul\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Lifetime Assurance UL<\/span><\/a><span style=\"font-weight: 400;\">, and speak with a Protective agent about product availability in your state.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078b5975c648\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Protective Custom Choice UL <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.protective.com\/life-insurance\/universal-life\/custom-choice-ul\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Protective Custom Choice UL policy<\/span><\/a><span style=\"font-weight: 400;\"> is a universal life product designed to mirror level term premiums for a selected period. After the level period, coverage can continue as long as premiums are paid, typically with a gradually reduced death benefit. You can adjust coverage within the level period and retain options to convert to eligible permanent policies, subject to current product availability.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078b5a25c649\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Variable universal life insurance <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><a href=\"https:\/\/www.protective.com\/life-insurance\/variable-universal-life\/strategic-objectives-ii-vul\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Variable universal life insurance<\/span><\/a><span style=\"font-weight: 400;\"> offers market-based cash value potential via separate account options, with corresponding investment risk. Once sufficient value accrues, you may borrow or use values to offset charges, subject to contract terms. Overloan protection and accelerated death benefit features may be available; see the current prospectus and product page for details.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078b5b25c64a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Indexed universal life insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><a href=\"https:\/\/www.protective.com\/life-insurance\/indexed-universal-life\/indexed-choice-ul\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Indexed universal life insurance<\/span><\/a><span style=\"font-weight: 400;\"> credits interest based on external index performance (subject to caps, participation rates, and floors) alongside a fixed account. Protective\u2019s IUL allows allocation among available strategies and supports riders such as accelerated death benefits (terminal and, on select forms, chronic illness), waiver of monthly deductions, overloan protection, and more where approved.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Protective Life Insurance vs. The Competition \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Protective Life Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>J.D. Power Customer Satisfaction*<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><strong>Available Policies<\/strong><\/td><\/tr><tr><td>Protective Life<\/td><td>4.2<\/td><td>Not top-ranked (2024)<\/td><td>A+<\/td><td>Term<br>Custom Choice UL<br>Advantage Choice UL<br>Indexed universal<br>Variable universal<\/td><\/tr><tr><td>Globe<\/td><td>4.6<\/td><td>Not top-ranked (2024)<\/td><td>A<\/td><td>Term<br>Whole<br>Final expense<\/td><\/tr><tr><td>Northwestern Mutual<\/td><td>4.4<\/td><td>Above industry average (2024)<\/td><td>A++<\/td><td>Term<br>Whole (participating)<br>Universal<\/td><\/tr><tr><td>Liberty Mutual<\/td><td>3.5<\/td><td>Not applicable<\/td><td>A<\/td><td>Life insurance offered through partner providers<br>No proprietary life policies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Data current as of November 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-individual-life-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2024 U.S. Individual Life Insurance Study<\/a>. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protective Life vs. Globe<\/h3>\n\n\n\n<p>Globe focuses on simplified-issue, direct-to-consumer policies with smaller face amounts and fewer customization options, while Protective offers broader permanent policy types and riders. J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-individual-life-insurance-study\">2024 study<\/a> highlights that relationship-based, full-service carriers tend to score higher on overall satisfaction than direct-only brands; Protective was not top-ranked, and Globe is not among the top performers either. For financial strength, Protective lists A+ (AM Best) versus Globe\u2019s key subsidiaries at A (Excellent) on their respective ratings pages (<a href=\"https:\/\/www.protective.com\/about-protective\/financial-strength-ratings\">Protective<\/a>; <a href=\"https:\/\/www.globelifeinsurance.com\">Globe Life<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protective Life vs. Northwestern Mutual<\/h3>\n\n\n\n<p>Both offer a wide range of protection options, but Northwestern Mutual emphasizes advisor-led planning and participating whole life with industry-leading financial strength (A.M. Best A++; Moody\u2019s Aaa; Fitch AAA; S&amp;P AA+) per its <a href=\"https:\/\/www.northwesternmutual.com\">ratings page<\/a>. Protective\u2019s strengths are competitively priced term and multiple UL\/IUL\/VUL choices supported by strong but slightly lower ratings (AM Best A+; S&amp;P AA-; Moody\u2019s A1; Fitch A+). In J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-individual-life-insurance-study\">2024 study<\/a>, Northwestern Mutual performs above the industry average, while Protective is not among the top-ranked carriers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protective Life vs. Liberty Mutual<\/h3>\n\n\n\n<p>Liberty Mutual is primarily a P&amp;C insurer and no longer issues new proprietary life insurance policies; its site refers life insurance shoppers to partner providers (<a href=\"https:\/\/www.libertymutual.com\/life-insurance\">Liberty Mutual life insurance<\/a>). Protective, by contrast, continues to sell term and a broad suite of permanent policies with conversion options and multiple rider choices.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Protective Life Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Protective Life Insurance FAQ<\/h2>\n\n\n<div id=\"block_6078b6135c64c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Protective Life insurance legit?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes. Protective Life\u2019s operating companies hold strong financial strength ratings, including an A+ (Superior) Financial Strength Rating from <\/span><a href=\"https:\/\/ratings.ambest.com\/companies\"><span style=\"font-weight: 400;\">AM Best<\/span><\/a><span style=\"font-weight: 400;\"> with a Stable outlook, alongside upper-tier ratings listed on Protective\u2019s <\/span><a href=\"https:\/\/www.protective.com\/about-protective\/financial-strength-ratings\"><span style=\"font-weight: 400;\">financial strength page<\/span><\/a><span style=\"font-weight: 400;\">. The company offers online term quotes, multiple permanent policy types, and a robust rider set to tailor coverage.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078b61f5c64d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who bought Protective Life?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Protective Life is a U.S. subsidiary of Dai-ichi Life Holdings and operates under its own brand. Over time, Protective has acquired and integrated several insurance businesses (e.g., West Coast Life), while continuing to expand its life and annuity offerings.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078b62b5c64e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you cash out a Protective Life insurance policy?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Term life policies do not build cash value, so there is nothing to cash out. Many permanent life policies (UL, IUL, VUL) build cash value that may be accessible through withdrawals or policy loans, subject to contract terms, charges, and potential tax implications. Consult a Protective agent to review options for your specific policy.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Protective Life insurance based on riders, coverage, digital resources, financial strength, and customer satisfaction to determine Reviews.com scores and create our best life insurance reviews. To compare life insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li>Number of Riders: Carriers with broader rider menus (e.g., accelerated death benefits, waiver, children\u2019s term, accidental death, income-structured payouts, overloan protection) receive higher credit in our methodology.<\/li><li>Financial Stability: Reviews.com uses insurer financial strength ratings from <a href=\"https:\/\/ratings.ambest.com\/companies\" class=\"achor-toggles\">AM Best<\/a> as a core indicator of claims-paying ability.<\/li><li>Customer Satisfaction: We reference J.D. Power\u2019s <a class=\"achor-toggles\" href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-individual-life-insurance-study\">2024 U.S. Individual Life Insurance Study<\/a> (1,000-point scale) for relative policyholder satisfaction ranking.<\/li><li>Coverage: Companies score higher when term policies are convertible to eligible permanent options and when multiple permanent policy types (UL\/IUL\/VUL) are available to fit different needs.<\/li><li>Resources: We assess website functionality and self-service, including the ability to obtain online quotes, make online payments, initiate claims online, and access clear product education and forms.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Reviews.com rates Protective Life insurance a 4.2 out of 5; Protective\u2019s operating companies carry an A+ (Superior) Financial Strength Rating from AM Best with a Stable outlook. Current portfolio emphasizes Classic Choice Term and multiple universal life options (Custom Choice UL, Advantage Choice UL, Lifetime Assurance UL), plus Indexed Choice UL and Strategic [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361234,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1270],"tags":[25609],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Protective Life Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"We reviewed Protective Life insurance based on coverage, riders, customer satisfaction, and more. 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