• Protect Tomorrow.
    Embrace Today.TM

  • Why Protective?

    For more than 100 years, Protective Life Insurance Company has been providing peace of mind to individuals like you. Protective Life operates across all 50 states and holds more than six million policies/contracts. Our financial strength, enduring core values and commitment to our customers are reflected in all that we do. Protective is not only our name, it’s our mission. Taking care of our beneficiaries in their time of need is at the heart of our business. It is our most essential commitment, and we work to honor it every day.

    Strength and Stability

    Protective Life continues to earn top financial strength and performance ratings from major rating agencies. These independent agencies assign ratings on all companies to help inform consumers about an insurer’s financial strength and claims-paying ability. They consider factors such as overall operating performance, asset quality, financial flexibility and capitalization. Here’s what they say about us:


    Insurance Companies A.M. Best S & P Fitch Moody's
    Protective Life A+ AA- A A2
    West Coast Life A+ AA- A A2
    MONY Life A+ A+ A A2
    Protective Life and Annuity A+ AA- A
    Lyndon Property A-

    Financial Strength Ratings as of October 4, 2013. Ratings are subject to change at any time, and do not apply to products or their performance.


    Protective Life Insurance Company has insurer financial strength ratings of A+ (Superior, 2nd highest of 15 ratings) from A.M. Best, AA- (Very Strong, 4th highest of 21 ratings) from Standard & Poor's, A (Strong, 6th highest of 22 ratings) from Fitch, and A2 (Good, 6th highest of 21 ratings) from Moody's Investor Services.

    West Coast Life Insurance Company has insurer financial strength ratings of A+ (Superior, 2nd highest of 15 ratings) from A.M. Best, AA- (Very Strong, 4th highest of 21 ratings) from Standard & Poor's, A (Strong, 6th highest of 22 ratings) from Fitch, and A2 (Good, 6th highest of 21 ratings) from Moody's Investors Services. Protective Life Insurance Company has entered into an agreement to contribute capital to West Coast under certain circumstances.

    MONY Life Insurance Company has insurer financial strength ratings of A+ (Superior, 2nd highest of 15 ratings) from A.M. Best, A+ (Strong, 5th highest of 21 ratings) from Standard & Poor's, A (Strong, 6th highest of 22 ratings) from Fitch, and A2 (Good, 6th highest of 21 ratings) from Moody's Investor Services.

    Protective Life and Annuity Insurance Company has insurer financial strength ratings of A+ (Superior, 2nd highest of 15 ratings) from A.M. Best, AA- (Very Strong, 4th highest of 21 ratings) from Standard & Poor's, and A (Strong, 6th highest of 22 ratings) from Fitch. A portion of Protective Life and Annuity Insurance Company's policy liabilities are guaranteed by Protective Life Insurance Company.

    Lyndon Property Insurance Company has an insurer financial strength ratings of A- (Excellent, 4th highest of 15 ratings) from A.M. Best.

  • Contact Us

    1-844-733-5433


  • “In 2013, we paid more than $2 billion in claims to our beneficiaries. Paying a claim is the single most important thing we do. It’s how we fulfill our promise to our customers."

    -John D. Johns, Chairman, President and CEO

  • Read on for more about Protective Life.

    For more than 100 years, through insurance, retirement and protection products, Protective has been building solutions to meet your unique needs. In doing so, we hope to tear down the barriers that block you from protecting your loved ones, so you can better enjoy – and embrace – today.