Two types of claims, two simple processes.
Most people never read the claims process — until they have to.
We'd rather you know it now, so when the time comes, you or your family can move forward with confidence.
Report the claim
Receive claim forms
Submit documentation
Payment issued
Most people never read the claims process — until they have to.
We'd rather you know it now, so when the time comes, you or your family can move forward with confidence.
Report the claim
Receive claim forms
Submit documentation
Payment issued
FAQ
You'll need a completed claim form signed by both you and your certifying physician, including a HIPAA authorization. Our claims team will send you the appropriate form after you initiate the claim online. We'll also gather any supporting medical records directly from your providers — you don't need to chase those down yourself. If your policy has an irrevocable beneficiary or is owned by a trust, additional consent or documentation will be required.
A Power of Attorney can sign on the insured's behalf. You'll also need to include a copy of the Power of Attorney document with the claim submission.
Check your policy rider. If the rider name includes 'Accelerated Death Benefit,' you may be required to file within 12 months of the condition being certified by a physician. Don't wait — file as soon as you're ready.
For critical and chronic illness riders, there is typically a 30-day waiting period from when the rider becomes active. Conditions certified during this window may not qualify. Terminal illness riders have no waiting period. Chronic illness riders also require a 90-day elimination period — meaning the qualifying condition must be continuously present for 90 days before benefits are available.
It depends on your policy. Some riders specify a maximum benefit amount upfront. Others calculate the benefit at the time of claim approval based on your life expectancy and other actuarial factors. The actual amount received will be less than the face amount elected, due to the actuarial discount, an administrative fee, and any unpaid premiums. Your policy documents will have the specifics.
All ABR claims must be certified by a U.S.-licensed physician, regardless of where the claim is submitted from. If your treating physician is a U.S.-licensed doctor practicing abroad, a special Licensed Health Care Practitioner form will be required. The claims team will send this to you if applicable.
In most cases, you have a one-time opportunity to file for a given illness under both the Critical Illness and Chronic Illness riders. Check your specific policy documents to confirm.
For term policies, yes — if you accelerate a portion of the death benefit, your premium will be adjusted accordingly. If the full benefit is used, the policy terminates. Always review your specific policy and rider terms.
Yes. If you prefer EFT or wire transfer instead of a check, provide a voided check to confirm your routing and account numbers. International wire transfers may require additional bank details and processing time.
Living Benefits are included at no extra cost with every plan.