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Claims


File an Insurance Claim

18,549

Count of Life claims paid by AIL in 2017:

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

Life 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 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.

SK Agencies
Claims Department
148 Chain Lake Drive
Halifax, NS B3S 1A2

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 sections A and C of 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.

SK Agencies
Claims Department
148 Chain Lake Drive
Halifax, NS B3S 1A2

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.

Life Claim Filing Instructions

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 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.

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.

Life Claims FAQs

01.

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.

02.

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.

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.

03.

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.

04.

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
05.

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
06.

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.

Health Insurance Claims

Cancer Claims Filing Instructions

Accident Claim Filing Instructions

Disability/Waiver of Premium Claim Filing Instructions

Hospital ICU Claim Filing Instructions

Heart Attack Claim Filing Instructions

Stroke Claim Filing Instructions

Health Claims FAQs