File an Insurance Claim

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.

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

Complete 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.

Submitting Life Terminal Illness Claims on Policies (12 Months -- Accelerated Death Benefit)

Complete the printable Claimant Statement & the Accelerated Benefit Request (Part A) in its entirety. Please have the doctor complete Part B, before submitting your claim. All the forms will need to be filled out as completely and accurately as possible.

Please mail the completed forms 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.

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Submitting Life Terminal Illness Claims on Policies (24 Months -- Accelerated Death Benefit) (IL, MA, PA & WA)

Complete the printable Claimant Statement & the Accelerated Benefit Request (Part A) in its entirety. Please have the doctor complete Part B, before submitting your claim. All the forms will need to be filled out as completely and accurately as possible.

Please mail the completed forms 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.

We understand that unforeseen circumstances can arise. As such, we offer a Waiver of Premium (Rider Form B3007) 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 (insured, doctor, and employer will need to complete the form) 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.

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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.

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.

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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

We understand that unforeseen circumstances can arise. As such, we offer a Disability Benefit (Policy Form D50000) 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.

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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.

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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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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.

• 1500 HEALTH INSURANCE CLAIM FORM (Example)
• UB04 (Example)
• Itemized Billing (Example)

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.

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.