Frequently Asked Questions

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 claims page.

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.

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.

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

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

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.

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.