File a Claim

In the sections that follow, you will find helpful information regarding the claims filing process for various types of benefits. Clicking on the links will take you to information such as claims filing instructions, printable forms and examples of certain required documentation.

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 Insurance Claims

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 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 76797

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.

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 76797

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 76797

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.

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.

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.

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.

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