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Protective Health Insurance Company

A review of Protective Health Insurance Company finds the Protective Life Corporation of Birmingham, Alabama. Protective Life, as its name implies, offers life insurance in the U.S. and Canada. The company also sells specialized insurance and investment products.

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Protective Life Corporation has four subsidiaries:

  1. Protective Life Insurance Company
  2. Protective Life and Annuity Insurance Company
  3. West Coast Life Insurance Company
  4. Lyndon Insurance Group, Inc.

Protective Life and Annuity operates as a subsidiary of Protective Life Insurance, selling insurance products solely in New York State, in which Protective Life Insurance is not authorized to sell insurance.

Protective Life Insurance Corporation History

Protective Life Insurance Corporation’s history originates with its Protective Life Insurance Company brand, which was founded in 1907 by Alabama Governor William Dorsey Jelks. The company grew quickly and just fifty years later, in 1957, Protective Life had $1 billion of insurance coverage in force. Protective Life and Annuity was acquired in 1983, West Coast Life in 1997, and Chase Insurance Group in 2006. Lyndon Insurance has been functioning as a Protective Life Insurance subsidiary since 2000.

By the time the company’s 100-year anniversary rolled around in 2007, Protective Life had more than $252 billion of insurance coverage in force. Just two years later, that number had increased to $445 billion. At the end of 2010, Protective Life completed its purchase of United Investors Life Insurance Company from Liberty National Insurance Company, a company with which it also entered into a coinsurance agreement.

Protective Life Insurance Corporation Locations

The company currently has offices in the following states:

  • Alabama
  • Kansas
  • Georgia
  • California
  • Nebraska
  • Illinois
  • Virginia
  • Minnesota
  • Tennessee
  • Missouri
  • Ohio
  • North Carolina

It also has an office in Quebec, Canada.

If you need to contact Protective Life Insurance Corporation, your best bet is to go directly through your agent or policy representative. For general correspondence, you can send it to:

2801 Highway 280 South
Birmingham, AL 35223
Phone number: 205-268-1000
Toll-free: 800-866-3555.

Life and health insurance customers can call 800-866-9933, email [email protected], or send their information to:

P.O. Box 12687
Birmingham, AL 35202-6687

Protective Life Insurance Corporation Products for Individuals

Protective Life Insurance Corporation offers its products for sale through financial advisors, as well as directly to an individual. If you’re looking for life insurance, you can choose from a variety of policies. These include:

  • Term
  • Universal
  • Survivorship
  • Whole
  • Variable universal
  • Single premium variable universal

Term life insurance provides coverage for a pre-determined length of time–usually a year–and then is renewable. Depending upon your age and health, your insurance provider may choose to simply renew your policy automatically, or ask that you undergo a physical and then possibly change your premium. Protective Life’s term policies come with a selection of optional benefits and riders.

Universal life insurance plans usually accrue cash value, against which you can borrow money. In addition to death benefits, these often prove beneficial for members who develop serious illnesses and conditions unexpectedly, since they can use the money while they’re alive to help cover expenses. However, any drawdown of the cash value means a lower payout if the policyholder dies.

Survivorship life insurance is also known as joint survivorship. This insurance coverage is meant for two people–mainly a husband and wife. It’s often more affordable to purchase a single survivorship policy then two separate life insurance policies. However, it only pays out upon the death of the second policyholder. Therefore, when the first policyholder dies, the second policyholder would not get any financial benefits from the policy to pay any funeral or death expenses.

If you’re interested in any of these, or the other mentioned life insurance policies from Protective Life, you should call a representative directly at the numbers listed above.

Protective Life Insurance Corporation Careers

Protective Life Insurance Corporation currently has a little more than 50 openings for full-time jobs ranging from account executives to business analysts, and internal auditor to staff accountant. Check out the “Careers” tab on the company website if you’re looking for employment in the fields of:

  • Sales
  • Insurance
  • Actuarial
  • Marketing
  • Legal
  • Accounting
  • Human resources
  • Financial services
  • Customer service

The jobs can be found at one of the company’s eight regional offices.

The company offers its employees health insurance, dental, and vision benefits that can be paid with pre-tax dollars through an automatic payroll deduction. Additional benefits including:

  • Disability coverage
  • 401(k) plan
  • Stock ownership plan
  • Flexible spending accounts
  • Term life insurance plans

Protective Life stresses the importance of health and wellness for its employees.

The company has a registered nurse, nutritionist, and Employee Assistance Program counselor on staff, and offers walking trails, a fitness center, and on-site immunizations. Additionally, Protective Life awards employees financially for keeping a predetermined fitness level and biometrics.

Protective Life Insurance Corporation sells life insurance, not health insurance. To find providers in your area and get online health insurance quotes, type your zip code into the box below.

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