Protective Life Insurance Login: A Step-by-step Guide

Protective Life Insurance offers a user-friendly online platform for policyholders. Logging in allows customers to manage their policies, make payments, and access other essential services conveniently.

Protective Life Insurance: Overview

Established in 1907, Protective Life has been providing life insurance, asset protection, and retirement products for a long time. Its longevity in the industry is noteworthy. Moreover, it holds a top A+ rating from AM Best, a firm that examines the financial health of companies. An A- or higher rating suggests the company is stable and reliable for the long term. On the other hand, companies rated B or lower might face challenges in the future.

However, financial stability isn’t the only factor to consider. How a company treats its customers is equally important. Protective Life scored 759 in a recent JD Power study, indicating that customers are generally satisfied with their services. This score reflects the company’s performance in areas like pricing, claims processing, and overall customer interactions.

How to Log In  Protective Life Insurance

  • Step 1 – Go to Protective’s homepage. Click “Sign In” at the top right, then select “Manage My Policy” to reach the main login page. Alternatively, you can use the login link at the top of this page to go straight there.
How to Log In  Protective Life Insurance
  • Step 2 – Enter your user ID and password
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Forgot Password? Follow these steps:

  • On the sign-in page, click “Forgot user ID/password.”
  • Choose “I forgot my password/user ID” and hit continue.
  • Enter your user ID, email, and the last four numbers of your SSN.
  • Click submit to confirm your identity.
  • Once verified, you can set a new password.
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Enroll in Online Access

  • Step 1 – Click the “Register Now” link on the login page.
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  • Step 2 – Choose if you have an active or inactive policy, want to check your application status, or need to review/accept your application.
  • Step 3 – Fill in your policy/contact details and set up your login credentials. Click “register” to complete the process.
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Make a Payment

  • Step 1 – To make an online payment, visit the main payment page. Input your policy number and billing/ZIP code, then click “continue” to proceed.
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  • Step 2 – Enter your payment information.

Protective Life Insurance products

Here are the primary plans and offerings from Protective Life Insurance.

Available life insurance plans

Here’s a refined overview of Protective Life Insurance’s main offerings:

  • Term Life Insurance: Protective’s term life offers coverage for periods ranging from 10 to 40 years, with amounts up to $50 million. Notably, it can be converted into a permanent policy without needing a new medical exam.
  • Whole Life Insurance: Unlike term life’s limited duration, whole life insurance offers lasting coverage. It not only provides a death benefit but also accumulates cash value at a fixed interest rate, growing tax-deferred.
  • Universal Life Insurance: This flexible policy offers lifetime coverage with adjustable premium payments. You can adjust premiums within Protective’s limits, access or borrow against its tax-deferred cash value, and select a suitable death benefit. Additionally,

Protective has variable and indexed universal life options. The variable policy offers adjustable premiums and benefits, while the indexed version ties your cash value to stock market indexes.

Insurance riders

Here’s a simplified overview of the additional features and offerings by Protective Life Insurance:

  • Guaranteed Insurability: Lets you boost your policy’s death benefit without health checks.
  • Children’s Term: Offers protection for kids aged 15 days to 18 years, which can extend to 25 years if the main policy is active.
  • Waiver of Premium: If you become disabled, this rider allows you to keep your policy without paying premiums until you can work again. It’s available for those between 18 and 55 and ends at age 65. It’s suitable for various policies including term and universal life.
  • Accidental Death Benefit: Available until age 60 and ends at 65, this gives extra coverage if death occurs due to an accident.
  • Accelerated Death Benefit: If faced with terminal or chronic illness, you can tap into part of your policy’s value.

Protective also offers plans to ensure a consistent income post-retirement. Options range from fixed to variable rates, as well as equity-linked plans.


Protective has age limits for different term policies. For instance, their 40-year policy is for those aged 18 to 40, while the 10-year plan is for those up to 80 years old.

Protective credentials

Protective Life Insurance has been a trusted name for over 100 years. Its strong ratings from agencies like A.M. Best and Standard & Poor’s highlight its reliability in the life insurance sector.

Protective credentials

Financial stability

Protective Life Insurance has strong ratings from top agencies. A.M. Best gave it an A+ rating, indicating “Superior” financial stability. Both Standard & Poor’s and Fitch rated it AA-, signifying it’s “Very Strong” and of “High Quality.” Moody’s rated it A1. These ratings show the company’s solid financial standing and its reliability in meeting obligations to policyholders.

Third-party ratings

The company has an A+ rating from the Better Business Bureau (BBB), indicating high trustworthiness and excellent customer interactions.

Who Is Protective Best For? 

If you want affordable, simple, long-term coverage, Protective is a top choice. They’re known for inexpensive term insurance, and their 40-year plan is a rarity in the industry. They also offer universal life policies, with options that can grow in value over time. But if you value added features like free riders for illnesses or if you’re seeking a policy with dividends or one specifically for health concerns, it might be best to explore other companies.

Pros & Cons: Protective Life Insurance


  • Competitive term life insurance rates: Protective and Banner consistently offered the most affordable term policies among the companies we analyzed. We checked quotes for various individuals seeking a 30-year term policy worth $250,000—Protective consistently ranked as the most affordable or tied for the top spot.
  • Unique 40-year term offering: Of the 91 companies examined, only two others, besides Protective, offer a term policy extending up to 40 years. This makes Protective ideal for those wanting extended coverage beyond 30 years but aren’t looking for the commitment or expense of a permanent policy.
  • Diverse policy options: Protective boasts a variety of policy choices, encompassing term, universal life (UL), variable UL, indexed UL, and whole life. Among the 91 companies surveyed, just two provided a broader selection.
  • Hassle-free $1 million coverage without a medical exam: Protective offers up to $1 million in coverage without the need for a medical exam. This not only simplifies the application process but also accelerates policy issuance, especially as some of Protective’s policies can be applied for online.


  • Lacks final expense insurance: Protective doesn’t offer final expense insurance, which is often known as burial or funeral insurance. This coverage is designed to handle end-of-life costs and is ideal for individuals whose health conditions might limit their access to other insurance types. While it doesn’t need a medical exam, the premiums are generally high given the smaller coverage amount.
  • Customer satisfaction needs improvement: In the 2022 J.D. Power survey, Protective ranked 15th out of 21 leading life insurance providers, indicating that its customer satisfaction was below many of its peers.

Protective Life Insurance: FAQs

How much does Protective Life Insurance cost?

Protective determines life insurance premiums using various factors such as coverage type, coverage duration and amount, age, health background, lifestyle choices like tobacco or alcohol use, and your risk assessment. A higher risk rating can lead to increased premiums. For example, older individuals or those with specific health issues might face higher rates.

Who owns Protective?

Protective Life Insurance is owned by Dai-ichi Life Holdings, Inc., a leading insurance company in Japan.

Does Protective offer extra coverage?

Protective Life offers many riders that can be added to insurance policies, allowing policyholders to tailor coverage and add extra protection.

In Summary 

Protective Life Insurance offers various life insurance choices, including term policies that can last up to 40 years and universal policies with adjustable premiums and possible cash value growth. Protective stands out for those seeking customizable policies and features to fit their specific requirements.

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