A body armor component mounts to the waist of a wearer by attachment to a belt to protect the lower back of the wearer. The component has a flexible fabric carrier with a front sheet which faces the wearer, and two rear sheets sewn to the front sheet to define two pockets opening towards each other and joined by a connecting segment. A flexible soft ballistic armor element has a first wing connected by a center segment to a second wing, the ballistic armor element being concave and opening toward the wearer, and the first wing being received within the flexible carrier first pocket and the second wing being received within the carrier second pocket. A covering flap is pivotable on the fabric carrier to cover the gap between the pockets. A belt loop is defined by an accessory segment fixed to the covering flap.