File a Claim

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Life Claim Filing Instructions

Submitting Life Claims on Policies Less than 2 Years Old by Mail

Complete the printable Proof of Death Claimant Statement in its entirety. All the forms will need to be filled out as completely and accurately as possible.

Please mail the completed forms, along with the Certified Death Certificate (including cause and manner of death), the obituary (if available), and any other supporting documentation.

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A certified copy of the coroner’s report

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

Submitting Life Claims on Policies More than 2 Years Old by Mail

Complete sections A and C of the printable Proof of Death Claimant Statement.

Please mail the completed forms, along with the Certified Death Certificate (including cause and manner of death), the obituary (if available), and any other supporting documentation.

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Life Disability/Waiver of Premium Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Waiver of Premium program where you could have some, or all, of your life insurance premiums waived with the benefit amount of your coverage staying the same. The instructions for submitting a Waiver of Premium claim are as follows:

Initial Waiver of Premium Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for premium waiver, please print and fill out the entire Claimant Statement and send it in along with your disability declaration letter from the Social Security office to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: If you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Waiver of Premium Continuance Claim

If you are filing a request for the continuance of Disability benefits, you complete section A , have your employer fill out Part C, and your physician fill out Part D of the Claimant Statement. Please submit the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Disability benefits.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Life Claim FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

    For more information about the claims filing process, visit the Life Claim Filing Instructions.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department.

  3. My policy has been in force less than two years, how can I expedite the processing time for my claim?

    The process can be expedited by completely and accurately completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 5 years.

    For more information about the claims filing process, visit the Life Claim Filing Instructions.

  4. I’m filing a claim for accidental death benefits, how can I expedite the processing time?

    All accidental death benefits, regardless of how long the coverage has been in force, will be investigated to ensure the death meets the criteria of an accident as defined in the policy.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report
  5. I’m filing a claim where the manner of death of the insured was homicide, how can I expedite the processing time?

    All claims where the manner of death is homicide will be investigated.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death), and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report
  6. How do you determine who to pay?

    The application includes a section where the beneficiary is designated. Also, through the life of the policy, the insured may elect to change the beneficiary. These changes are recorded in our computer system. If no beneficiary is chosen, we will issue the proceeds to the estate of the insured, unless a Last Will and Testament is provided that identifies a recipient to the insurance proceeds. Should there not be an estate in place, we will require a document from the courts stating as such. Depending on your state, it might be called a “No Estate Affidavit,” “Small Estate Affidavit,” “Summary of Estate,” or something similar. If you are unsure how to obtain this document, please contact your local County Court Clerk.

Cancer Claim Filing Instructions

Submitting a Cancer Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), HIPAA Release (Part E), and provide a Pathology Report (click here for Pathology Report Examples.)

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Cancer Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only) and provide a Pathology Report (click here for Pathology Report Examples.)

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Accident Claim Filing Instructions

To submit an accident claim, please complete the printable Claimant Statement (Parts A, B, and E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Please note: If at any time during the review of your claim we find that we need additional information via medical narratives or a police report etc., we will notify you in writing.

The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received within 72 hours from a qualified institution as defined by the policy. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Disability/Waiver of Premium Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Disability Benefit where, according to your policy benefit structure, you could be paid a specified amount.

Initial Disability Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for Disability, please print and fill out the Claimant Statement in its entirety and send it to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing.

Continuance of Disability Benefits

If you are filing a request for the continuance of Disability benefits, you need to complete the claimant statement. Remember to have your employer fill out Part C and your physician fill out Part D on the Claimant Statement. Please submit the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Disability benefits.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Hospital ICU Claim Filing Instructions

Submitting a Hospital Intensive Care Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), HIPAA Release (Part E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Hospital Intensive Care Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Heart Attack Claim Filing Instructions

Submitting a Heart Attack Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), HIPAA Release (Part E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Heart Attack Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Stroke Claim Filing Instructions

Submitting a Stroke Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), HIPAA Release (Part E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Stroke Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please mail the completed documentation to the following address:

American Income Life Insurance Company
Claims Department
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Health Claim FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 – 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department.

  3. My policy has been in force less than two years, how can I expedite the processing time for my claim?

    The process can be expedited by providing itemized medical billing statements and completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 4 years.

  4. Why do we request additional information on claims that are less than two years old?

    As with most insurance companies, claims submitted on policies that have been in effect less than two years require a more detailed examination.

  5. What is the difference between a UB-04 and a 1500 Health Insurance Claim Form?

    A UB-04 is typically a summary associated with hospital stays. A 1500 Health Insurance Claim Form is normally associated with clinic or physician visits. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page.

  6. Why do we require both a UB-04 and itemized medical billing statements?

    The UB-04 has information on it that is not always on the itemized medical billings or other summaries, i.e. diagnosis and procedural codes.

  7. Why is additional verification via medical narratives (Doctor’s Notes) requested on accident claims?

    Many times the UB-04 or 1500 Health Insurance Claim Form will include diagnosis codes; however, these codes are not always fully descriptive of why the visit to the ER or physician took place. Narratives from those visits are helpful as they go into more detail of the observations and conversations that took place during the diagnosis and treatment of the injury. You can request a copy from the treatment facility.

  8. Is there a time frame in which treatment must be received after an Accidental Bodily Injury?

    Yes! The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received within 72 hours from a qualified institution as defined by the policy. Always refer back to your policy for further information regarding benefit qualifications.

Cancer Screening (Early Detection), Healthy Heart, or Wellness Claim

No claim form is necessary. Simply send us the bill, receipt, or the report/results you received for the screening or test that contains the patient's full name, a description of the service and the date of service. Include the Policyowner's/Certificate holder's full name and policy/certificate number. For covered children, please also include their date of birth.

Please do not send any Explanation of Benefits (EOB) forms from other insurance companies as we are not able to use these to process claims.

Please mail or fax the completed documentation to the following address:

Family Heritage Life Insurance Company of America
Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152

If you have questions or need assistance with filing your claim, please contact our customer service department online or by calling (440) 922-5151.

Cancer Claim Filing Instructions

For a First Occurrence diagnosis of cancer, please complete the printable claim form. Complete the Patient/Claimant section, have your physician complete the Physician Statement, and provide a Pathology Report positively diagnosing cancer (click here for Pathology Report Examples.)

If a Pathology Report is not available due to a clinical diagnosis of cancer, please include copies of all applicable medical records confirming the positive cancer clinical diagnosis and treatment. Examples of medical records include reports indicating the results of a CT scan, ultrasound or an MRI, and consultation reports verifying the cancer diagnosis and treatment.

For filing cancer treatment claims after the First Occurrence claim has been processed (e.g., surgery, chemotherapy/radiation treatments, hospital stays, etc.), please submit copies of the following if applicable:

  • Complete, itemized hospital bill
  • Physician bills
  • Surgery bill from the surgeon/physician’s office and the corresponding pathology report for each surgery (the bill should include the 5 digit CPT procedure code)
  • Itemized chemotherapy/radiation bills and pharmacy/prescription bills/receipts (these should include the patient's name, drug name and charges/costs, and the dates of each treatment or the date the prescription was filled)
  • Any other itemized bills (see below for examples)
  • The printable claim form (for inpatient hospitalizations). Complete the Patient/Claimant section and have your physician complete the Physician Statement.
 

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital visits) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

For transportation claims, complete the printable travel log. Include copies of all applicable itemized bill(s) and consultation report(s).

Please do not send any Explanation of Benefits (EOB) forms from other insurance companies. We are not able to use these documents to process claims. Itemized bills are required to process claims and are available from the providers of service.

Please mail or fax the completed documentation to the following address:

Family Heritage Life Insurance Company of America
Attn: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

If you have questions or need assistance with filing your claim, please contact our customer service department online or by calling (440) 922-5151.

Accident Claim Filing Instructions

To submit an accident claim, please complete the printable claim form. Complete the Patient/Claimant section and have the physician complete the Physician Statement.

If you are not able to have this form completed and signed by a physician, a copy of the complete medical records (available from the medical facility) indicating the cause and treatment of the accidental injury must be submitted. Please do not send patient discharge instructions.

Please also include copies of the following if applicable:

  • Itemized hospital bill listing the daily room charges (for inpatient hospitalizations) and Emergency room charges
  • X-ray report(s) diagnosing the fracture(s)
  • Ambulance bill
  • Alcohol, toxicology, and police reports
  • Operative Report if the policy includes a separate surgery benefit
  • Applicable medical records/reports for any other benefits that may apply (dismemberment, paralysis, dislocation, concussion, coma, etc.). Please refer to your policy for specific benefits as these may vary.
  • Original, certified death certificate, autopsy and coroner’s reports, news articles/reports, and any other supporting documentation (for accidental death claims)
  • Any other itemized bills (see below for examples)

Please include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital visits) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

Please do not send any Explanation of Benefits (EOB) forms from other insurance companies. We are not able to use these documents to process claims. Itemized bills are required to process claims and are available from the providers of service.

Please mail or fax the completed documentation to the following address:

Family Heritage Life Insurance Company of America
Attn: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152

Please note:
For accidental death claims, the original, certified death certificate is required and must be submitted by mail.

If at any time during the review of your claim we find that we need additional information via medical narratives or a police report etc., we will notify you in writing.

The benefit for an accidental bodily injury is payable to an insured as long as the covered treatment is received within the specified timeframe as defined by the policy. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

If you have questions or need assistance with filing your claim, please contact our customer service department online or by calling (440) 922-5151.

Intensive Care Unit Claim Filing Instructions

Please complete the printable Claim Form. Complete the Patient/Claimant section and have the physician complete the Physician Statement.

Please also include a copy of the complete, itemized hospital bill or UB-04 form and any ambulance bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If the hospital stay was due to a motor vehicle accident, please also include any applicable alcohol, toxicology, and police reports.

Please do not send any Explanation of Benefits (EOB) forms from other insurance companies. We are not able to use these documents to process claims. Itemized bills are required to process claims and are available from the providers of service.

Please mail or fax the completed documentation to the following address:

Family Heritage Life Insurance Company of America
Attn: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152

If you have questions or need assistance with filing your claim, please contact our customer service department online or by calling (440) 922-5151.

Heart Attack and Stroke Claim Filing Instructions

Please complete the printable claim form. Complete the Patient/Claimant section and have the physician complete the Physician Statement.

Please also submit the medical records verifying the date that the heart disease, heart attack, or stroke was diagnosed. Examples of documentation include a catheterization report, reports confirming stress test results, hospital admission/discharge summaries/notes, or MRI/CT scan reports. These reports can be obtained from the physician/surgeon that provided the service, or directly from the facility’s medical records.

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital visits) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

Please do not send any Explanation of Benefits (EOB) forms from other insurance companies. We are not able to use these documents to process claims. Itemized bills are required to process claims and are available from the providers of service.

Please mail or fax the completed documentation to the following address:

Family Heritage Life Insurance Company of America
Attn: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

If you have questions or need assistance with filing your claim, please contact our customer service department online or by calling (440) 922-5151.

Hospital Indemnity Claim Filing Instructions

Please complete the printable claim form. Complete the Patient/Claimant section and have the physician complete the Physician Statement.

Please also include a copy of the complete, itemized hospital bill or UB-04 form (only associated with hospital visits) you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If the hospital stay was due to a motor vehicle accident, please also include any applicable alcohol, toxicology, and police reports.

Please do not send any Explanation of Benefits (EOB) forms from other insurance companies. We are not able to use these documents to process claims. Itemized bills are required to process claims and are available from the providers of service.

Please mail the completed documentation to the following address:

Family Heritage Life Insurance Company of America
Attn: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152

Please note:
We will examine each covered person(s) for our consideration of each person(s) pending claim. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

If you have questions or need assistance with filing your claim, please contact our customer service department online or by calling (440) 922-5151.

Health Insurance Claims FAQs

Please note that due to confidentiality, claims cannot be accepted through our website or by e-mail. Claims must be mailed or faxed directly to our Claims Department.

  1. How do you submit an Early Detection Benefit, Screening, or Wellness Benefit?

    No claim form is necessary. Simply mail or fax us the bill, receipt, or the report/results you received for the screening or test that contains the patient's full name, a description of the service, and the date of service. Include the Policyowner's/Certificate holder's full name and policy/certificate number. For covered children, please also include their date of birth.

    Please do not send any Explanation of Benefits (EOB) forms from other insurance companies as we are not able to use these to process claims.

    Please mail or fax the completed documentation to the following address:

    Globe Life Family Heritage Division
    Attn: Claims Department
    P.O. Box 470608
    Cleveland, OH 44147

    Fax: (440) 922-5152

    If you have questions or need assistance with filing your claim, please contact our Claims Department at (440) 922-5151.

  2. How long does it take to process a claim?

    The claims process varies for different types of products. Therefore, processing times will vary and it may be necessary for us to request additional information in order to process your claim.

    If the policy has been in force less than one year, the claim will be subject to further review. For any policy less than two years old, the claim may also be subject to further review. This will increase the processing time.

  3. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 – 15 business days from the time your claim was processed and all required information has been received. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Claims Department at (440) 922-5151.

  4. My policy has been in force less than two years. How can I help ensure my claim is processed in as timely a manner as possible?

    Provide itemized medical billing statements and complete all necessary portions of the claim forms and any authorization forms that are required.

  5. Why do we request additional information on claims that are less than two years old?

    As with most insurance companies, claims submitted on policies that have been in effect less than two years require a more detailed examination.

  6. What is the difference between a UB-04 and a 1500 Health Insurance Claim Form?

    A UB-04 is typically a summary associated with hospital stays. A 1500 Health Insurance Claim Form is normally associated with clinic or physician visits. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page.

  7. Why do we require both a UB-04 and itemized medical billing statements?

    The UB-04 has information on it that is not always on the itemized medical billings or other summaries, i.e. diagnosis and procedural codes.

  8. Why is additional verification via medical records (e.g., Emergency Room records, Doctor’s Notes) requested on accident claims?

    Many times the UB-04 or 1500 Health Insurance Claim Form will include diagnosis codes. However, these codes are not always fully descriptive of why the visit to the ER or physician took place. Medical records from those visits are helpful as they go into more detail of the observations and conversations that took place during the diagnosis and treatment of the injury. You can request a copy from the treatment facility.

Life Claim Filing Instructions

Please accept our condolences for your loss. We aim to make the claims process as efficient and expedient as possible.

For policies less than 2 years old, complete the printable claim form in its entirety. For policies more than 2 years old, complete sections 1, 2 and 4 of the claim form. All the applicable sections will need to be filled out as completely and accurately as possible.

Please mail the completed forms, along with the original Certified Death Certificate (including cause and manner of death), the obituary (if available),the original policy, and any other supporting documentation.

Globe Life Family Heritage Division
Attn: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, alcohol, toxicology, and police reports
  • A certified copy of the coroner’s report
  • Newspaper accounts and articles

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

If you have questions or need assistance with filing your claim, please contact our Life Insurance Claims Line at (440) 922-5160.

Life Insurance Claims FAQs

Please note that due to confidentiality, claims cannot be accepted through our website or by e-mail. Claims must be mailed or faxed directly to our Claims Department.

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid when all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

    For more information about the claims filing process, visit the Life Claim Filing Instructions.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Life Insurance Claims Line at (440) 922-5160.

  3. My policy has been in force less than two years. How can I help ensure my claim is processed in as timely a manner as possible?

    Accurately complete all necessary portions of the claim forms, including listing all known medical providers who treated the insured in the last five years in Section 3.

  4. I’m filing a claim for accidental death benefits. How can I help ensure my claim is processed in as timely a manner as possible?

    All accidental death benefits, regardless of how long the coverage has been in force, will be reviewed to ensure the death meets the criteria of an accident as defined in the policy.

    Provide copies of the following documents along with the completed claim forms, the original certified death certificate (including cause and manner of death), and a copy of the obituary (if available):

    • Autopsy, alcohol, toxicology, and police reports
    • A certified copy of the coroner’s report
    • Newspaper accounts and articles
  5. I’m filing a claim where the manner of death of the insured was homicide. How can I help ensure the claim is processed in as timely a manner as possible?

    All claims where the manner of death is listed as homicide on the Insured's death certificate will be investigated.

    Provide copies of the following documents along with your completed claim forms, the original certified death certificate (including cause and manner of death), and a copy of the obituary (if available):

    • Autopsy, alcohol, toxicology, and police reports
    • A certified copy of the coroner’s report
    • Newspaper accounts and articles
  6. How do you determine who to pay?

    The Application includes a section where the policyholder may designate a beneficiary. Also, through the life of the policy, the policyholder may elect to change the primary beneficiary, add additional beneficiaries, or elect to list a contingent beneficiary under the policy. These changes are recorded in our computer system. It is important to note that we are unable to accept a change in beneficiary designation after the insured has passed.

    If no beneficiary is chosen while the policy is in force or the listed beneficiary is no longer living at the time the insured passes, any benefit payable will be issued pursuant to the terms of the policy.

    If you need to make changes to your beneficiary please contact Customer Service Department at (440) 922-5222.

Please note: the claims process varies for different types of products. Therefore, processing times will vary and it may be necessary for us to request additional information in order to process your claim.

For any policy less than 2 years old, the claim will be subject to further review.

Life Claim Filing Instructions

Please accept our condolences for your loss. We aim to make the claims process as efficient and expedient as possible.

Submitting Life Claims on Policies Less Than Two Years Old

Complete the Proofs of Death – Claimant Statement in its entirety. Please answer as accurately as possible. Printable claim form can be found here.

Required documentation in addition to Proofs of Death - Claimant Statement:

  • Certified Death Certificate (indicating cause or manner of death) If your benefit amount is $14,999 or less a copy of Death Certificate is allowed
  • Copy of obituary (if available)

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A copy of the coroner’s report

Please mail the completed forms, along with the Death Certificate including cause and manner of death, the obituary (if available) and any other supporting documentation to:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

Submitting Life Claims on Policies More Than Two Years Old

Complete the Proofs of Death – Claimant Statement. Please answer as accurately as possible. Printable claim form can be found here.

Required documentation in addition to Proofs of Death – Claimant Statement:

  • Certified Death Certificate (indicating cause or manner of death) If your benefit amount is $14,999 or less a copy of Death Certificate is allowed
  • Copy of obituary (if available)

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A copy of the coroner’s report

Please mail the completed forms, along with the Death Certificate including cause and manner of death, the obituary (if available) and any other supporting documentation to:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

Note: If your policy has been in force more than two years AND your benefit amount is $15,000 or less, you can email or fax the required information to:

Email: claims@globe.life
Fax: (405) 270-1496

If you have questions or need assistance with filing your claim, please contact our Customer Service Department:


To send claim documents email: claims@globe.life
If you have questions about claim status call: (800) 654-5433
Hours of Operation:
7:30am – 6pm Central
Monday – Friday

Life Claims FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

    For more information about the claims filing process, view the Life Claim Filing Instructions tab.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department at:

    Phone: (800) 654-5433
    Hours of Operation:
    7:30am – 6pm Central
    Monday – Friday
  3. My policy has been in force less than two years, how can I expedite the processing time for my claim?

    The process can be expedited by accurately completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 5 years.

    For more information about the claims filing process, view the Life Claim Filing Instructions tab.

  4. I’m filing a claim for accidental death benefits, how can I expedite the processing time?

    All accidental death benefits, regardless of how long the coverage has been in force, will be investigated to ensure the death meets the criteria of an accident as defined in the policy.

    The process can be expedited by providing copies of the following documents:

    • Completed Claimant Form
    • Certified Death Certificate (including cause and manner of death) If your benefit amount is $10,000 or less a copy of Death Certificate is allowed
    • Obituary (if available)
    • Autopsy, toxicology, and police reports
    • A copy of the coroner’s report
  5. I’m filing a claim where the manner of death of the insured was homicide, how can I expedite the processing time?

    All claims where the manner of death is homicide will be investigated.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A copy of the coroner’s report
  6. How do you determine who to pay?

    Beneficiary is designated by the policy holder when applying for the Life policy. Policyholders do have the ability to update beneficiary information at any point during the life of the policy. These changes are recorded in our computer system. If no beneficiary is chosen, we will issue the proceeds to the estate of the insured, unless a Last Will and Testament is provided that identifies a recipient to the insurance proceeds. Should there not be an estate in place, we will require a document from the courts stating as such. Depending on your state, it might be called a “No Estate Affidavit,” “Small Estate Affidavit,” “Summary of Estate,” or something similar. If you are unsure how to obtain this document, please contact your local County Court Clerk.

  7. How do I obtain a certified death certificate?

    Certified death certificates have either a raised seal or a multicolored signature seal from the county, city or state that issued the certificate. In addition, the original death certificate should contain the signature of an appropriate officer of the county, city or state. Typically a certified death certificate can be obtained by working through the Funeral Home or at the Department of Health or Vital Statistics of your local Government.

Life Disability/Waiver of Premium Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Waiver of Premium program where you could have some, or all, of your life insurance premiums waived with the benefit amount of your coverage staying the same.

The instructions for submitting a Waiver of Premium claim are as follows:

Initial Waiver of Premium Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for premium waiver, please print and fill out the entire claim form and send it in along with your disability declaration letter from the Social Security office to the following address:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070

Click here for the printable claim form.

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: if you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Waiver of Premium Continuance Claim

If you are filing a request for the continuance of Waiver of Premium benefits, you must complete Page 2 of the claim form and have your Physician complete Page 3. Please submit the completed documentation to the following address:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070

Click here for the printable claim form.

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Waiver of Premium benefits.

Please note: if you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Accident / Health / Physician Expense Claim Filing Instructions

Submitting an Accident, Health or Physician Expense Claim:

Please send a copy of the UB-04 (from Hospital) or the 1500 health insurance claim form (from Doctors office) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the form. The following examples are for illustration only.

Please mail the completed documentation to the following address:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070

Please note: If at any time during the review of your claim we find that we need additional information via medical narratives or a police report etc., we will notify you in writing.

The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received as defined by your policy from a qualified institution as defined by the policy. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department:

Phone: 1 (800) 654-5433
Hours of Operation:
7:30am ‐ 6pm Central
Monday ‐ Friday

Medicare Supplement Claim Filing Instructions

Required Forms

If the claim is filed by a hospital:

  • Universal Billing (UB-04) with copy of Medicare Remittance Advice

If the claim is filed by all other healthcare providers:

  • CMS-1500 with copy of Medicare Explanation of Benefits form

If the claim is filed by the insured:

  • Medicare Summary Notice

Send To

Globe Life And Accident Insurance Company
Attn: Medicare Claims
PO Box 8080
McKinney, TX 75070-8080

Fax: (972) 569-3709

Accident / Health / Physician Expense Claims FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department at:

    Phone: (800) 654-5433
    Hours of Operation:
    7:30am – 6pm Central
    Monday – Friday
  3. What is the difference between a Link to file name "UB-04" and a Link to file name "1500 Health Insurance Claim Form"?

    A UB-04 is typically a summary associated with hospital stays. A 1500 Health Insurance Claim Form is normally associated with clinic or physician visits. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page.

  4. Why do we require both a UB-04 and itemized medical billing statements with some health plan claims?

    The UB-04 has information on it that is not always on the itemized medical billings or other summaries, i.e. diagnosis and procedural codes.

  5. Why is additional verification via medical narratives (Doctor’s Notes) requested on some accident claims?

    Many times the UB-04 or 1500 Health Insurance Claim Form will include diagnosis codes; however, these codes are not always fully descriptive of why the visit to the ER or physician took place. Narratives from those visits are helpful as they go into more detail of the observations and conversations that took place during the diagnosis and treatment of the injury. You can request a copy from the treatment facility.

  6. Is there a time frame in which treatment must be received after an Accidental Bodily Injury?

    Yes! The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received as defined by your policy from a qualified institution. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

Life Disability/Waiver of Premium Claim Filing Instructions

Required Forms

If the claim is filed by a hospital:

  • Universal Billing (UB-04)

If the claim is filed by all other healthcare providers:

  • CMS-1500

Send To

Globe Life Insurance Company of New York
P.O. Box 3125
Syracuse, NY 13220

Processing time on claims can vary depending upon the circumstances surrounding the claim. Please allow 10-15 business days from the date that you mail the above documents for Globe Life to receive, log and process the information. You will be notified if additional information is needed.

Life Insurance Claims

Required Forms

  • Certified Death Certificate
  • Obituary
  • Name, address, and telephone number of the beneficiary
  • Policy Number
  • Copy of police report/coroner's report and newspaper clippings if death was the result of an accident or homicide

Send To

Globe Life Insurance Company of New York
P.O. Box 3125
Syracuse, NY 13220

Processing time on claims can vary depending upon the circumstances surrounding the claim. Please allow 10-15 business days from the date that you mail the above documents for Globe Life to receive, log and process the information. You will be notified if additional information is needed.

Medicare Supplement Claims

Required Forms

If the claim is filed by a hospital:

  • Universal Billing (UB-04) with copy of Medicare Remittance Advice

If the claim is filed by all other healthcare providers:

  • CMS-1500 with copy of Medicare Explanation of Benefits form

If the claim is filed by the insured:

  • Medicare Summary Notice

Send To

Globe Life Insurance Company of New York
P.O. Box 3125
Syracuse, NY 13220

Processing time on claims can vary depending upon the circumstances surrounding the claim. Please allow 10-15 business days from the date that you mail the above documents for Globe Life to receive, log and process the information. You will be notified if additional information is needed.

Life Insurance Claim Filing Instructions

Please accept our condolences for your loss. We aim to make the claims process as efficient and expedient as possible.

Submitting Life Claims on Policies Less than 2 Years Old

Complete the Claimant Statement (Page 2), the Statement of Physician (Page 3) and the HIPAA Release form (Page 4). All the forms will need to be filled out as completely and accurately as possible. Printable claim forms are available for your convenience.

Please mail the completed forms, along with the Certified Death Certificate (including cause and manner of death), the obituary (if available) and any other supporting documentation, to the following address:

Liberty National Life Insurance Company
Life Claims Division
P.O. Box 8066
McKinney, TX 75070

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A certified copy of the coroner’s report

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

Submitting Life Claims on Policies More than 2 Years Old

Complete the Claimant Statement (Page 2). Printable claim forms are available for your convenience.

Please mail the completed Claimant Statement, along with the Certified Death Certificate (including cause and manner of death), and a copy of the obituary (if available) to the following address:

Liberty National Life Insurance Company
Life Claims Division
P.O. Box 8066
McKinney, TX 75070

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A certified copy of the coroner’s report

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department at:

Phone: (800) 333-0637 or (205) 325-4979
Customer Service email
Hours of Operation:
7:30am – 5pm Central
Monday – Friday

Waiver of Premium - Life Policy

We understand that unforeseen circumstances can arise. As such, we offer a Premium Waiver program where you could have some, or all, of your life insurance premiums waived with the benefit amount of your coverage staying the same.

The instructions for submitting a Premium Waiver are as follows:

Initial Premium Waiver Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for premium waiver, please print and fill out the entire claim form and send it in along with your disability declaration letter from the Social Security office to the following address:

Globe Life Liberty National Division
Life Claims Division
P.O. Box 8066
McKinney, TX 75070

Click here for the printable claim form: Premium Waiver Claim Form

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: If you qualify for Premium Waiver benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing.

Continuance of Premium Waiver Benefits

If you are filing a request for the continuance of Premium Waiver benefits, you need to complete the “Insured Information” section of the claim form and have your Physician complete the “Attending Physician’s Statement of Disability” (page 3). Please submit the completed documentation to the following address:

Globe Life Liberty National Division
Life Claims Division
P.O. Box 8066
McKinney, TX 75070

Click here for the printable claim form: Premium Waiver Claim Form

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Premium Waiver benefits.

Please note: If you qualify for Premium Waiver benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Life Insurance Claims FAQs

  1. Who do I notify if I have a claim?

    You may contact our Customer Service Department at 800-333-0637 or 205-325-4979. One of our Customer Service Representatives will help you through the claim process. You can also follow the instructions on our website which can be found here.

  2. What do I need to provide to start a claim?

    Generally, the Claims Department will need completed claim forms, a death certificate, and the obituary to get the claims process started. Claim forms and instructions can be found here. Additional documentation may be requested as we review your claim, but we will let you know of any requests or delays throughout the course of a claim.

  3. Where do I send Life Claim documentation?

    We ask that all life claim documentation be sent to the following address:

    Globe Life Liberty National Division
    Insurance Services Division
    PO Box 8066
    McKinney, TX 75070
  4. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

    Learn more about forms, instructions, and the claims filing process.

  5. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department.

    Phone: (800) 300-0637 or (205) 325-4979
    Email Customer Service
    Hours of Operation:
    7:30 am to 5:00 pm Central time zone
    Monday through Friday

  6. My policy has been in force less than two years. How can I help ensure my claim is processed in as timely a manner as possible?

    Accurately complete all necessary portions of the claim forms, including listing on the Claimant Statement all known medical providers who treated the insured in the last five years.

  7. I’m filing a claim for accidental death benefits. How can I help ensure my claim is processed in as timely a manner as possible?

    All accidental death benefits, regardless of how long the coverage has been in force, will be investigated to ensure the death meets the criteria of an accident as defined in the policy and does not fall within an exclusion in accordance with the policy provisions.

    Provide copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death), and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report
  8. I’m filing a claim where the manner of death of the insured was homicide. How can I help ensure my claim is processed in as timely a manner as possible?

    All claims where the manner of death is listed as a homicide on the Insured's death certificate will be investigated.

    Provide copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death), and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report
  9. How do you determine who to pay?

    The Application includes a section where the policyholder may designate a beneficiary. Also, through the life of the policy, the policyholder may elect to change the primary beneficiary, add additional beneficiaries, or elect to list a contingent beneficiary under the policy. These changes are recorded in our computer system. It is important to note that we are unable to accept a change in beneficiary designation after the insured has passed.

    If no beneficiary is chosen while the policy is in force or the listed beneficiary is no longer living at the time the insured passes, any benefit payable will be issued pursuant to the terms of the policy.

    If you need to make changes to your beneficiary please contact Customer Service Department at (800) 300-0637 or (205) 325-4979.

Cancer Claim Filing Instructions

Does your claim meet the definition of Cancer?

Definition of Cancer:

Leukemia, Hodgkin's disease, or any form of malignant growth positively diagnosed as cancer (malignant neoplasm) by a legally licensed doctor of medicine certified by the American Board of Pathology or a certified Osteopathic Pathologist other than yourself or a member of your immediate family or household. Such diagnosis must be based on a biopic examination. The pathologist establishing the diagnosis shall base his judgment solely on the criteria of malignancy as accepted by the American Board of Pathology or the Osteopathic Board of Pathology. Pre-malignant conditions or conditions with malignant potential are not to be construed as cancer in interpreting this policy.

The following are not considered cancer for purposes of this policy:

  1. Carcinoma in Situ
  2. Stage 1 Hodgkin's disease
  3. Stage A Prostate Cancer
  4. Melanoma that is diagnosed as Clark's Level I or II or Breslow less than .75mm.

For First Occurrence benefits, skin cancer is NOT covered unless it is considered a Melanoma.

Submitting a Cancer Claim on Policies Less than 2 Years Old

Complete the Claimant Statement, HIPAA Release, Medical Provider History and provide a Pathology Report (click here for Pathology report examples). Printable claim forms can be found below:

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Cancer Claim on Policies More than 2 Years Old

Complete the Claimant Statement and provide a Pathology Report (click here for Pathology report examples). Printable Claimant Statement can be found here - Claimant Statement

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

If you have questions or need assistance with filing your claim, please contact our Customer Service Department at:

Phone: (800) 333-0637 or (205) 325-4979
Customer Service email
Hours of Operation:
7:30am – 5pm Central
Monday – Friday

Accident Claim Filing Instructions

Did you know that you can file your accident claim quickly and easily online using our Quick Claims process?

File Now ›
Quick Claims FAQ
 

Does your claim meet the definition of an Accident?

Definition of an Accident**:

Injury sustained by the insured, which is the direct result of an accident, occurring independently of disease, bodily infirmity, or any other cause while this policy is in force.

If Emergency Treatment is necessary, it must be received from: an emergency room; a hospital as an outpatient or as an inpatient for a period of twelve hours or less; a clinic; an ambulatory surgical center; or the office of a physician or surgeon. Such treatments must be received within 48 HOURS of the injury. (The State of Georgia allows 72 HOURS.)

**Definition of an accident may vary by policy.

Submitting an Accident Claim by Mail

Complete the Claimant Statement. Printable Claimant Statement can be found here - Claimant Statement

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

Please note: If at any time during the review of your claim we find that we need additional information via medical narratives or a police report etc., we will notify you in writing.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department at:

Phone: (800) 333-0637 or (205) 325-4979
Customer Service email
Hours of Operation:
7:30am – 5pm Central
Monday – Friday

Hospital Intensive Care (ICU) Claim Filing Instructions

Does your claim meet the definition for Hospital Intensive Care (ICU)?

Definition of Hospital Intensive Care (ICU):

Those special intensive care areas of a hospital which at the time of your admission to the hospital are also separate and apart from the surgical recovery room and from the rooms, beds, and wards customarily used for patient confinement.

The term "intensive care unit" does NOT include lesser treatment units such as:

  • Progressive or intermediate care units,
  • Private monitored rooms,
  • Isolation units, observation or
  • Telemetry units

These units are classified on the UB-04 in the ‘Revenue Code ‘column and are not covered. Revenue Codes for lesser treatment units include but are not limited to the following: 0204, 0205, 0206, 0209, and 0214.

Please click on the sample to see where these codes are located on the UB-04 form: UB04 Sample - Revenue Codes

Submitting a Hospital Intensive Care Claim on Policies Less than 2 Years Old

Complete the Claimant Statement, HIPAA Release, and Medical Provider History. Printable claim forms can be found below:

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Hospital Intensive Care Claim on Policies More than 2 Years Old

Complete the Claimant Statement. Printable Claimant Statement can be found here - Claimant Statement

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

If you have questions or need assistance with filing your claim, please contact our Customer Service Department at:

Phone: (800) 333-0637 or (205) 325-4979
Customer Service email
Hours of Operation:
7:30am – 5pm Central
Monday – Friday

Heart Attack Claim Filing Instructions

Does your claim meet the definition of a Heart Attack?

Definition of a Heart Attack:

An acute myocardial infarction (the death of a portion of the heart muscle) resulting from a blockage of one or more coronary arteries. Cardiac arrest not caused by a myocardial infarction is not considered a heart attack for purposes of this policy, nor is any other disease or injury involving the cardiovascular system.

Your diagnosis must include ALL of the following:

  1. Chest pain; and
  2. Associated new electrocardiographic (EKG) changes supporting a diagnosis of acute myocardial infarction; and
  3. Elevation of cardiac enzymes above standard laboratory levels; and
  4. Confirmatory imaging studies such as thallium scans, MUGA scans, or stress echocardiograms.

Submitting a Heart Attack Claim on Policies Less than 2 Years Old

Complete the Claimant Statement, HIPAA Release, and Medical Provider History. Printable claim forms can be found below:

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Heart Attack Claim on Policies More than 2 Years Old

Complete the Claimant Statement. Printable Claimant Statement can be found here - Claimant Statement

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

If you have questions or need assistance with filing your claim, please contact our Customer Service Department at:

Phone: (800) 333-0637 or (205) 325-4979
Customer Service email
Hours of Operation:
7:30am – 5pm Central
Monday – Friday

Stroke Claim Filing Instructions

Does your claim meet the definition of a Stroke?

Definition of a Stroke:

A cerebrovascular incident caused by hemorrhage, embolism, thrombosis or infarction of brain tissue producing measurable neurological deficit persisting for at least thirty (30) days following the occurrence of such incident. We must receive evidence of permanent neurological damage from confirming neuroimaging studies.

The following conditions are not covered:

  1. Transient Ischemic Attack (TIA)
  2. Attacks of vertebrobasilar ischemia
  3. Cerebral symptoms due to migraine
  4. Cerebral injury resulting from trauma or hypoxia
  5. Vascular disease affecting the eye or optic nerve

Submitting a Stroke Claim on Policies Less than 2 Years Old

Complete the Claimant Statement, HIPAA Release, and Medical Provider History. Printable claim forms can be found below:

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Stroke Claim on Policies More than 2 Years Old

Complete the Claimant Statement. Printable Claimant Statement can be found here - Claimant Statement

Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

Please mail the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

If you have questions or need assistance with filing your claim, please contact our Customer Service Department at:

Phone: (800) 333-0637 or (205) 325-4979
Customer Service email
Hours of Operation:
7:30am – 5pm Central
Monday – Friday

Disability Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Disability Benefit where, according to your policy benefit structure, you could be paid a specified amount.

Initial Disability Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for Disability, please print and fill out the claim form and send it to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

Click here for the printable claim form: Disability Claim Form

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing.

Continuance of Disability Benefits

If you are filing a request for the continuance of Disability benefits, you need to complete the Disability Claim Form. Remember to have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. Please submit the completed documentation to the following address:

Globe Life Liberty National Division
Attn: Policy Benefits
P.O. Box 8080
McKinney, TX 75070

Click here for the printable claim form: Disability Claim Form

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Disability benefits.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Health Insurance Claims FAQ

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department.

    Phone: (800) 333-0637 or (205) 325-4979
    Customer Service email
    Hours of Operation:
    7:30 am to 5:00 pm Central time zone
    Monday through Friday

  3. My policy has been in force less than two years. How can I help ensure my claim is processed in as timely a manner as possible?

    Provide itemized medical billing statements and complete all necessary portions of the claim forms, including listing all known medical providers who treated the insured in the last four years on the Claimant Statement.

  4. Why do we request additional information on claims that are less than two years old?

    As with most insurance companies, claims submitted on policies that have been in effect less than two years require a more detailed examination. In order to provide you with valuable coverage at competitive prices, we need to ensure that information supplied regarding your coverage is accurate. Sometimes validating this information might require us to request additional information regarding the cause and manner of death or past health history.

  5. What is the difference between a UB-04 and a CMS1500?

    A UB-04 is typically a summary associated with hospital stays. A CMS 1500 is normally associated with clinic or physician visits.

  6. Why do we require both a UB-04 and itemized medical billing statements?

    The UB-04 has information on it that is not always on the itemized medical billings or other summaries, i.e. diagnosis and procedural codes.

  7. Why is additional verification via medical narratives (Doctor’s Notes) requested on accident claims?

    Many times the UB-04 or CMS 1500 will include diagnosis codes. However, these codes are not always fully descriptive of why the visit to the ER or physician took place. Medical records from those visits are helpful as they go into more detail of the observations and conversations that took place during the diagnosis and treatment of the injury. You can request a copy from the treatment facility.

Life Claim Filing Instructions

Please accept our condolences for your loss. We aim to make the claims process as efficient and expedient as possible.

Submitting Life Claims on Policies Less than 2 Years Old

Complete the printable Proof of Death Claimant Statement in its entirety. All the forms will need to be filled out as completely and accurately as possible.

Please send us the completed forms, along with the Death Certificate including cause and manner of death, the obituary (if available) and any other supporting documentation. Certified Death Certificates are required for face amounts greater than $15,000; otherwise, a copy is sufficient.

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A certified copy of the coroner’s report

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

Submitting Life Claims on Policies More than 2 Years Old

Complete sections A and C of the printable Proof of Death Claimant Statement.

Please send us the completed forms, along with the Death Certificate including cause and manner of death, the obituary (if available) and any other supporting documentation. Certified Death Certificates are required for face amounts greater than $10,000, otherwise a copy is sufficient.

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A certified copy of the coroner’s report

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Life Disability/Waiver of Premium Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Waiver of Premium program where you could have some, or all, of your life insurance premiums waived with the benefit amount of your coverage staying the same. The instructions for submitting a Waiver of Premium claim are as follows:

Initial Waiver of Premium Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for premium waiver, please print and fill out the entire Claimant Statement and send it in along with your disability declaration letter from the Social Security office to the following address:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: If you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Waiver of Premium Continuance Claim

If you are filing a request for the continuance of Waiver of Premium benefits, you complete section A of the claim form, have your employer fill out Part C and have your physician fill out Part D of the Claimant Statement. Please submit the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Disability benefits.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Life Claim FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

    For more information about the claims filing process, see the Life Claim Filing Instructions above.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department.

  3. My policy has been in force less than two years, how can I expedite the processing time for my claim?

    The process can be expedited by completely and accurately completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 5 years.

    For more information about the claims filing process, see the Life Claim Filing Instructions above.

  4. I’m filing a claim for accidental death benefits, how can I expedite the processing time?

    All accidental death benefits, regardless of how long the coverage has been in force, will be investigated to ensure the death meets the criteria of an accident as defined in the policy.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report
  5. I’m filing a claim where the manner of death of the insured was homicide, how can I expedite the processing time?

    All claims where the manner of death is homicide will be investigated.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report
  6. How do you determine who to pay?

    The application includes a section where the beneficiary is designated. Also, through the life of the policy, the insured may elect to change the beneficiary. These changes are recorded in our computer system. If no beneficiary is chosen, we will issue the proceeds to the estate of the insured, unless a Last Will and Testament is provided that identifies a recipient to the insurance proceeds. Should there not be an estate in place, we will require a document from the courts stating as such. Depending on your state, it might be called a “No Estate Affidavit,” “Small Estate Affidavit,” “Summary of Estate,” or something similar. If you are unsure how to obtain this document, please contact your local County Court Clerk.

Cancer Claim Filing Instructions

Submitting a Cancer Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), HIPAA Release (Part E), and provide a Pathology Report (click here for Pathology Report Examples.)

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Cancer Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only) and provide a Pathology Report (click here for Pathology Report Examples.)

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Accident Claim Filing Instructions

To submit an accident claim, please complete the printable Claimant Statement (Parts A, B, and E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: (254) 741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Please note: If at any time during the review of your claim we find that we need additional information via medical narratives or a police report etc., we will notify you in writing.

The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received within 72 hours from a qualified institution as defined by the policy. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Disability/Waiver of Premium Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Disability Benefit where, according to your policy benefit structure, you could be paid a specified amount.

Initial Disability Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for Disability, please print and fill out the Claimant Statement in its entirety and send it to one of the following

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing.

Continuance of Disability Benefits

If you are filing a request for the continuance of Disability benefits, you need to complete the claimant statement. Remember to have your employer fill out Part C and your physician fill out Part D on the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Disability benefits.

Please note: If you qualify for Disability benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Hospital ICU Claim Filing Instructions

Submitting a Hospital Intensive Care Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), and HIPAA Release (Part E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Hospital Intensive Care Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Heart Attack Claim Filing Instructions

Submitting a Heart Attack Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), HIPAA Release (Part E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Heart Attack Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Stroke Claim Filing Instructions

Submitting a Stroke Claim on Policies Less than 2 Years Old

Complete the printable Claimant Statement (Part A), Health Information (Part B), HIPAA Release (Part E).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

Please note: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Stroke Claim on Policies More than 2 Years Old

Complete the printable Claimant Statement (Part A only).

Please also include a copy of the 1500 HEALTH INSURANCE CLAIMS FORM or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page. The following examples are for illustration only.

If disability is being claimed, in addition to the documentation above, please have your employer fill out Part C and your physician fill out Part D of the Claimant Statement.

Please send the completed documentation to one of the following:

Email: CL@nilife.com
Fax: 254-741-5705
Mail: National Income Life Insurance Company
Attn: Claims
PO Box 2500
Waco, TX 76702

If you have questions or need assistance with filing your claim, please contact our Customer Service Department.

Health Claim FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department.

  3. My policy has been in force less than two years, how can I expedite the processing time for my claim?

    The process can be expedited by providing itemized medical billing statements and completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 4 years.

  4. Why do we request additional information on claims that are less than two years old?

    As with most insurance companies, claims submitted on policies that have been in effect less than two years require a more detailed examination.

  5. What is the difference between a UB-04 and a 1500 Health Insurance Claim Form?

    A UB-04 is typically a summary associated with hospital stays. A 1500 Health Insurance Claim Form is normally associated with clinic or physician visits. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page.

  6. Why do we require both a UB-04 and itemized medical billing statements?

    The UB-04 has information on it that is not always on the itemized medical billings or other summaries, i.e. diagnosis and procedural codes.

  7. Why is additional verification via medical narratives (Doctor’s Notes) requested on accident claims?

    Many times the UB-04 or 1500 Health Insurance Claim Form will include diagnosis codes; however, these codes are not always fully descriptive of why the visit to the ER or physician took place. Narratives from those visits are helpful as they go into more detail of the observations and conversations that took place during the diagnosis and treatment of the injury. You can request a copy from the treatment facility.

  8. Is there a time frame in which treatment must be received after an Accidental Bodily Injury?

    Yes! The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received within 72 hours from a qualified institution as defined by the policy. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

Life Disability/Waiver of Premium Claim Filing Instructions

Required Forms

If the claim is filed by a hospital:

  • Universal Billing (UB-04)

If the claim is filed by all other healthcare providers:

  • CMS-1500

Send To

United American Insurance Company
Attn: Non-Medicare Health Claims
P.O. Box 8080
McKinney, TX 75070-8080

Fax: (972) 569-3709

Life Insurance Claims

Required Forms

  • Certified Death Certificate
  • Obituary
  • Name, address, and telephone number of the beneficiary
  • Copy of police report/coroner's report and newspaper clippings if death was the result of an accident or homicide

Send To

United American Insurance Company
Attn: Claims Division
P.O. Box 8076
McKinney, TX 75070-8076

Fax: (972) 569-3709

Medicare Supplement Claims

Required Forms

If the claim is filed by a hospital:

  • Universal Billing (UB-04) with copy of Medicare Remittance Advice

If the claim is filed by all other healthcare providers:

  • CMS-1500 with copy of Medicare Explanation of Benefits form

If the claim is filed by the insured:

  • Medicare Summary Notice

Send To

United American Insurance Company
Attn: Medicare Claims
P.O. Box 8080
McKinney, TX 75070-8080

Fax: (972) 569-3709