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Reach out to us

Serving your needs is always our number one priority. View your options and select the right one to contact us.
Existing customer

If you're already a customer or applicant, log in to your account and take advantage of our convenient self-service options like:

  • Update your contact information
  • Update your policies
  • Change/add your beneficiaries
  • Make a payment
New customer
Give us a call, and we'll be happy to help you evaluate what type of policy might be right for you. For some types of insurance, we can give you a free online quote. Or call us at 1-844-733-5433 and we'll walk you through your options.

Interested in learning more about the life insurance process? We make it easy.
  • Existing customer
  • New customer
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Customer frequently asked questions

How do I retrieve my forgotten login email or password?

You can obtain your forgotten password by clicking on the "Forgot Password?" link on the login page. If you have forgotten your login email address that you used to create your account please contact us via message or by speaking with a Customer Service Representative.
How do I change my personal information (i.e. address, phone number, email)?

First, log in to access your account. If you have not registered for an account, register now. Once logged in, you can click on the “Profile and Settings” option in the menu bar then select the action you want to take. If your name has changed, please contact us for assistance.
How do I change my beneficiary?

First, log in to access your account. If you have not registered for an account, register now. Once logged in you can locate the policy you want to change your beneficiary information on and select the ‘I want to’ drop down and then select ‘change my beneficiaries’ from the drop down list.
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Customer policy and contract information

Life and health insurance customers

P.O. Box 12687
Birmingham, AL 35202-6687
Call us at 1-800-866-9933
Email us at ladphs@protective.com

Variable life insurance customers

P.O. Box 1928
Birmingham, AL 35282-8238
Call us at 1-800-265-1545
Email us at vulservice@protective.com

Annuity customers

P.O. Box 1928
Birmingham, AL 35282-8238
Call us at 1-800-456-6330
Email us at annuityservice@protective.com

West Coast Life insurance customers

P.O. Box 12687
Birmingham, AL 35202-6687
Call us at 1-800-866-9933
Email us at wclphs@wclife.com

Immediate Benefit Account

P.O. Box 535299
Pittsburgh, PA 15253-5299
Call us at 1-866-412-2071
Or login to www.eaccountservices.com/protective

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Common questions about buying life insurance

Why do I need life insurance?

How can you and your family benefit from a life insurance policy? Find out why it’s so important to get coverage. 
What are some important facts I should know about life insurance?

A little bit of education can go long way in understanding how life insurance protects you, your budget and your family. Learn more about life insurance.
How much life insurance do I need?

When you buy a life insurance policy, it's important to get the right amount of coverage. Too little and you could leave your loved ones in a tough financial spot. Too much and you'll be paying for coverage you don't need. Calculate your needs.
How much does life insurance cost?

How much life insurance is going to cost depends on many different factors, such as your age and health. It also depends on the type of policy you buy and the amount of the death benefit that you select. Get a quote for term life insurance.
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The life insurance application process

1
Get a quote
Answer a set of questions to get a personalized quote on the life insurance coverage you need.
2
Apply
Start the process with our easy online application for Term Life or call us at 1-844-733-5433.
3
Medical exam
If an exam is needed, our medical examiners come to you on your schedule. It takes about half an hour.
4
Wait for approval
We ensure the policy is priced appropriately depending on your phone interview and medical exam.
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Unique solutions, tailored to your needs

Term life
A term life policy offers the flexibility to select the length of the policy term that works best for you. A more affordable option compared to whole life insurance.
Universal life
A universal life insurance policy from Protective offers more flexibility and provides coverage for a lifetime and typically offers the potential for cash value growth.
Whole life
Whole life insurance offers permanent protection and builds cash value at a set rate. And as long as you pay required premiums on time, your benefits are guaranteed. A level premium with both a death benefit and cash value component.
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Need help? Try our Find a Policy tool.

Answer a few quick questions to understand what type of life insurance policy may work for you.
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Helpful claims resources

Start a claim
We understand the loss of a loved one is very stressful, and we’re here to help in any way we can.
Check claim status
We are here to help keep you informed of your claim status and to make the process as easy as possible.
Update a beneficiary
Update a beneficiary online.
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Frequently asked questions about claims

How do I start the claims process?

You can start the claim process by filling out the Start a Claim form.
Where do I submit information for my existing claim?

For the fastest turnaround on claims less than $500,000, you can email your completed claim paperwork to claims@protective.com or fax it to 205-268-6833.


If your claim is more than $500,000 or you would prefer to physically mail the paperwork, our address is:


Claims
P.O. Box 12486
Birmingham, AL 35202

How soon will I receive my proceeds?

Generally, the claims process takes about 2 to 3 weeks. Because the adjudication of each claim is different, we are unable to provide you with an exact time frame for when we will complete the processing of your claim. We are committed to processing your claim as quickly as possible and responding in compliance with state law.
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A message from Protective’s President and CEO

Protective is committed to serving customers, employees and our community. Read on for information on our response to COVID-19.