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Protective Life Insurance Company complaints

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PO Box 2606
Birmingham, AL 35202 | Get Directions

(205) 268-1000

http://www.protective.com

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Total Amount in Dispute:
$4,395.00

Total Amount Settled:
$0.00

Complaint Experience

100%

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Our complaint history for this company shows the company gave proper consideration to complaints presented to them.

Complaint Closing Statistics

2 complaints against Protective Life Insurance Company closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
1	Agreed to make an adjustment
0	Refusing to make an adjustment
1	Refuse to adjust, relying on terms of agreement
0	Unanswered

2 complaints against Protective Life Insurance Company

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4/22/2024

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $4,395.00 Amount Settled: $0.00

Customer Complaint

3/20/2024

I bought a truck in Indiana, a 2011Chevy 2500 6.6, and it broke down , and it cost me 2260.79, and they would not pay a dime on it ! I am a disabled ,80 year old , and I do not trust this company whatsoever ever ! They are as bad as no coverage ! Resolution Sought I want a refund ,so I can get a decent company to repair my vehicle, if it breaks down again !

Company Response

4/10/2024

Company states; Protective Administrative Services, Inc. ("PASI") has received your March 20, 2024, letter addressed to Protective Life Insurance Company ("PLICO"). PASI administers the Aute Care Plan Vehicle Service Contract ("service contract") that Mr. James Cregger purchased from Payton Place Auto Sales/N on July 22, 2022. PASI is an affiliate of PLICO, and we ask that you change your records to reflect the correct company name. We have completed our review and hope you find the following information helpful. The service contract that was purchased is not a warranty, nor is it insurance. Coverage is notautomatic when a claim is filed. The service contract lists covered components, non-covered components, and events excluded from coverage. Certain conditions must be met for a claim to be covered, and there are also coverage exclusions. We have reviewed the file, and the adjudication of the claim was proper per terms and conditions of the service contract. The repair facility reported that the thermostat, exhaust temperature sensor, and reductant fluid injector needed to be replaced. None of these parts are listed as covered in the service contract and the claim was denied. By pointing out the foregoing, PASI and its affiliates do not waive but specifically reserve any and all rights and defenses they may have under the service contract and the applicable law. Sincerely, Associate Regulatory

12/29/2022

RESPONSE: Agreed to make an adjustment Amount in Dispute: $0.00 Amount Settled: $0.00

Customer Complaint

12/1/2022

I called 800-866-9933 to inquire on the documents that I requested on Sept 29, 2022 about the value of my insurance policy since I took advanage of the early death benefit. I understood that unless all monies were paid back, what was left will be eaten up with fees and at the time of my death there may be nothing left. I just wanted to easy my mind if this is true or not. I spoke to someone who started of nice but ended up non caring and impatient . She said the information was sent in April not that I asked from the information in Sept If i had the april information I wouldn't have made the call. Its hard dealing with my won death every day and to deal with rude people isn't what i want to do. And since the conversation is recorded but not documented no record of my previous call. With technology today that should ever happen. I just want the documents. I still pay my premium on time. Resolution Sought I would like the documents as they were promised to me in Sept. Heading into Dec the mail isn't that in apt. A phone call with an apology.

Company Response

12/16/2022

The Company reached out to our customer and sincerely apologized for failing to respond to her request for policy values in a timely manner. She was provided with our compliance area personal contact information for any follow-up concerns. The information requested has been provided to her under a separate cover. She will notify us in writing if she has any concerns with the information provided. We value our customer and her business.

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