Protective Life Insurance $80M Class Action Settlement
If your Protective Life Insurance Co. or West Coast Life Insurance Co. policy issued in California lapsed for non-payment between Jan. 1 2013 and Apr. 22 2025, you could receive a cash payment or have the policy reinstated. Eligible class members must act by September 19 2025. Start your claim below.
Submit Claim Online Download Claim Form (PDF)
Who Is Eligible?
- Owners or beneficiaries of individual life insurance policies issued, delivered, or administered in California by Protective Life Insurance Co. or West Coast Life Insurance Co. (including certain administered policies).
- The policy lapsed or was terminated for non-payment on or after Jan. 1 2013 and before Apr. 22 2025.
- The lapse was not due to an owner’s written request to cancel.
- The policy maturity date had not expired before the applicable dates above.
Benefits Available
1. Alive Population (insured still living as of Apr. 22 2025)
- Policy reinstatement without medical underwriting and no new contestability period.
- Cost to reinstate = 90% of missed premiums + 100% of the amount needed to keep the policy active for three more months.
2. Deceased Population (insured deceased by Apr. 22 2025)
- Cash payment based on:
- Policy face value
- Your vested interest
- Total valid claims across the class
- No payment will exceed 70% of your share of the death benefit.
How to File a Claim
- Gather required documents:
- Government-issued ID
- Social Security or Taxpayer ID number
- Certified death certificate (if applicable)
- Proof of authority (executor, trustee, etc.) if filing on behalf of someone else
- Choose your method:
- Online: Use the Notice ID and Confirmation Code found on the mailed or emailed notice.
- Mail: Print and complete the appropriate form, then send it to:
Milan et al. v Protective Life Insurance Company Settlement
c/o Settlement Administrator
1650 Arch St., Suite 2210
Philadelphia, PA 19103
- Submit by September 19 2025.
Key Dates
- Claim & Exclusion Deadline: Sept. 19 2025
- Fairness Hearing: Oct. 24 2025
- Payments issued: After final approval and resolution of appeals.
Why the Case Settled
Plaintiffs alleged the companies violated California Insurance Code §§ 10113.71 and 10113.72 by failing to provide required 60-day grace periods, advanced lapse notices, and the right to designate a third-party notice recipient before terminating policies. The insurers deny wrongdoing but agreed to an $80 million settlement to avoid further litigation risk.
Frequently Asked Questions
What is the Protective Life Insurance $80M Class Action Settlement about?
It resolves claims that Protective Life Insurance Co. and West Coast Life Insurance Co. improperly lapsed California life insurance policies without following statutory notice and grace-period requirements.
How much money can I receive from the Protective Life Insurance settlement?
Beneficiaries in the deceased population can receive up to 70% of their share of the policy’s death benefit, depending on the number of valid claims. Living policyholders may instead reinstate coverage at a discounted cost.
Do I need proof to file a Protective Life Insurance claim?
Yes. All claimants must verify identity, provide tax information, and, when applicable, supply a certified death certificate and authority documents.
Can I opt out of the Protective Life Insurance class action?
Yes. You must submit a written exclusion request postmarked by September 19 2025 to preserve your individual right to sue.
When will payments from the Protective Life Insurance settlement be sent?
Checks will be mailed after the court grants final approval on or after October 24 2025 and any appeals are resolved.
Need Help?
Visit the official settlement site at lifeinsurancelapsesettlement.com or call 1-844-901-4092.