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Reporting insurance fraud

To report suspected insurance fraud to Protective Life, call toll-free 800-627-0220, or email us at
JOB POSTINGS FRAUD ALERT: Protective has received reports of a fraud scheme targeting those unemployed and job searching in the insurance sector.

If you feel you have encountered a fraudulent job posting, the following resources may be used for reporting:
Protective's Human Resources department has received multiple reports from individuals applying for what they believe to be job vacancies for remote work jobs with our company and believing they had been hired for a job that was never actually posted by Protective. This remote work scam impersonates a large company in order to fictitiously hire someone looking for work in an effort to defraud them into providing their banking information or to transfer illicit funds unknowingly on behalf of a criminal fraud ring. While our company has no role in this fraudulent activity impersonating our company or its Human Resource personnel, Protective aims to spread awareness of this fraud.

The fraud is often furthered by these job seekers being told to pay hundreds of dollars to outfit their home with a remote office setup (only to learn their payment was made to fraudsters for a job they never actually had with the company they thought they applied for), or to cover what they were told would be licensing fees to be an insurance producer for the company.

Common red flags we have seen associated with this fraudulent fake job posting scheme include the following:
  • Any job posting or email correspondence providing a company email contact that is not from the domain “” (ex: fraudsters commonly use an email address like “”).
  • Any job posting where an applicant primarily corresponds with someone claiming to be with Human Resources but only communicating with emails or Google Chat.
  • After telling an applicant a job offer is made, wanting to email you an attachment (said to be a payroll check) that you must print from your own printer and deposit to your bank via mobile app.
  • Job posting or follow-up email correspondence containing typos and grammatical errors.

Authentic job postings for Protective are posted to
UNSOLICITED CALL FRAUD ALERT: Protective was made aware of instances in which individuals have received unsolicited phone calls claiming to be from our company (but are not) and asking for private identifying information (ex: name, age, date of birth, address, etc.). These calls appear to be scams falsely impersonating Protective, possibly as part of an identity theft scheme. Protective does not engage in unsolicited sales calls to non-customers to develop new insurance business, so calls of this nature should be a red flag of likely fraud.

Red flags for these scams include:
  • Receiving an unsolicited call that claims to be from our company and asks you for personal identifying information to provide a policy quote.
  • A phone call's area code is the same as your phone number's area code, but not an area code from one of Protective's office locations (i.e. Birmingham, Alabama, St. Louis, Missouri, and Cincinnati, Ohio). Scammers often use phone apps to create new phone numbers in the same area code as their victims to make their calls appear to be a locally dialed.
  • Caller appears to be reading from a script or is an automated telemarketer/robo-caller.
  • Caller hangs up upon your questioning the legitimacy of the call.
If you have received an unsolicited call that you believe to be a scam we recommend you promptly report all available details to the following authorities (also including the phone number that called you, specifics about what the caller stated to you during the call, and any other details that may be helpful to aid authorities in investigating the matter further):
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Frequently asked questions about insurance fraud

Insurance fraud is a crime in which either an insurance company or agent is defrauded by an individual seeking to obtain a policy or collect money for which they are not entitled, or where an insurance company’s customer is defrauded (which may result in a financial loss to the customer, the insurance company, or both).

Protective Life’s Special Investigative Unit (SIU) is responsible for investigating suspected fraud and coordinating with local, state, and federal law enforcement agencies (to include the fraud divisions of state departments of insurance) in the prosecution of insurance fraud offenders.  Additionally, our SIU works closely within the company to detect, prevent, and resolve fraudulent activities targeting Protective Life and its customers.

  • Someone calling or emailing asking you to pay money or fees (especially though untraceable payment methods such as wiring, prepaid card or gift cards)
  • Requesting private account information
  • Requesting access to your computers
  • Pressure to act immediately or with time-limited deal
  • Indicating a change in account status you did not request
  • Emails that don’t look quite right, including a sender you don’t recognize, suspicious email addresses or misspellings
  • Keep your personal details secure and private
  • Do not open suspicious emails, delete immediately
  • Never click on attachments in emails from senders you do not know
  • Do not respond to phone calls
  • Do not provide remote access to your computer
  • Beware of requests for your money or payment requests
  • Watch for misspellings or grammar issues within emails or documents
  • Report any suspicious spam activity

Additional fraud resources

Learn how to protect yourself and options for fighting back against fraud.
Coalition Against Insurance Fraud
Learn how to fight back and better detect this type of crime.
Consumer alerts
See frauds/scams recently reported to the FTC.
Are you a victim?
The FTC provides steps to take if you are a victim of ID theft.
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Still have questions?

Let us know if you have questions or need to report suspected insurance fraud.