Globe Life Liberty National Claims

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. 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:
    7:30am – 5pm Central time zone
    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 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 five years.

  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

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 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.

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

Globe Life is the marketing name for Globe Life Inc. and its subsidiaries. Product availability and features vary by state and subsidiary. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Life insurance products and supplemental health insurance products are offered and underwritten by Globe Life Inc. subsidiaries: Globe Life And Accident Insurance Company, American Income Life Insurance Company, Liberty National Life Insurance Company, Family Heritage Life Insurance Company of America, and, in New York, Globe Life Insurance Company of New York and National Income Life Insurance Company.