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:

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.


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.


Use of the MONY marks is under license from AXA Financial Inc. and it’s affiliates. MONY Life Insurance Company ("MONY") is a wholly owned subsidiary of Protective Life Insurance Company. Protective Life Insurance Company serves as administrator for MONY Life Insurance Company of America ("MLOA").