Frequently Asked Questions

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.

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.

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

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.

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

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.

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

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

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.