Protective Life Insurance Complaint Resolution

Protective Life sells life insurance and annuities. If you bought life insurance from Protective Life and you believe you were misled, we can help. Don’t wait for your policy to lapse or the premiums to become unmanageable. Don’t accept a denied claim.

Common Complaints with Protective Life

– Denied Death Claims.

Often denied for misrepresentation or because the policy lapsed.

– Mismanagement of the Policy.

This can result in a Policy lapse or a loss of cash value.

– Not Receiving Policy Notices.

Failure by Protective to inform the policy owner of premiums due.

– Misrepresentation of Benefits.

Promises of future benefits or policy features that aren’t true.

You may be a victim of insurance abuse. Not every life insurance transaction goes smoothly. If a mistake has been made it should be corrected. If you were intentionally lied to or if your life insurance claim has been wrongfully denied you need to take aggressive action. We have extensive experience and unequaled success recovering money from life insurers for our clients.

Step-by-Step Instructions for Protective Life Insurance Complaints

Step 1: Locate your policy number.

You’ll find the policy number on the Declaration page and on any Annual Policy Statement.

Step 2: Have the full name of the insured.

Clearly identify the full name of the insured.

Step 3: Write a short summary of the reason for your complaint.

Either a death claim dispute or policy management dispute. Explain why you’re disagreeing with the insurer’s treatment.

Step 4: Include the date the problem became known to you.

Is this a new complaint or one that’s been going on for some time.

Step 5: Provide your full name and phone number.

Let us know who you are, how you’re related to the policy and how to contact you.

Step 6: Email it to us at Info@cflid.com, or fax us at (866)885-4074.

We’ll review the facts, determine the best way to resolve your complaint and act.

Frequently Asked Questions

Q: Will it help if I call the insurance company and make a complaint?

Yes. There are standard processes that life insurance companies follow when they receive complaints. A big part of the complaint process includes the need for documentation and proof. So, it’s not enough to give a written account of how you were harmed and how angry you are. You need to demonstrate how you’ve been harmed.

Life insurers are looking for specific things that can prove you have a legitimate complaint, but they’re not likely to tell you what they’re looking for. Unless you have experience with the life insurance complaint process, your complaint isn’t likely to get your claim paid or your premium refunded.

Q: Can the Department of Insurance help me?

It’s best to think of a state’s Department of Insurance as an organization that has limited oversight and even more limited enforcement powers. A department of insurance oversees things like; the filing of new policies an insurer wants to sell in a State, proper form filings, an insurer’s financial requirements, licensing of agents, and other activities that have a lot to do with collecting fees.

What a Department of Insurance doesn’t do is make life insurance claim decisions. A Department of Insurance also can’t force a life insurer to refund your premiums.

Q: How long will it take to resolve my complaint?

It can take weeks to months to resolve a life insurance complaint, depending on the type of complaint, the documentation needed and the parties involved. We strive to resolve complaints as quickly as possible.

Q: Can a life insurance lawyer help me?

Yes, that’s one of several options to use. A lawyer can file a complaint against an agent or insurer, or both.

Q: Why would I use The Center for Life Insurance Disputes for my complaint?

We have 3 decades of experience. Instead of costly lawsuits, we go directly to the insurer and resolve customer complaints.

If you’re having problems with a Protective Life insurance complaint contact us now for help.