General Insurance FAQs
1
Do you offer free consultations for new customers?
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Yes! Complete the form in the “Get a Quote” section, and an agent will contact you at your preferred time for a detailed Needs Analysis.
2
How do I make sure I’m not over-insured?
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Our agents perform an in-depth Needs Analysis to ensure you have appropriate and affordable coverage for your family’s unique needs.
3
Why do I need life insurance?
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Life insurance protects your family’s future by helping cover:
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Debts and mortgages
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Daily living expenses
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Financial stability for your loved ones
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It ensures the life you’ve built remains secure, even if the unexpected happens.
Life Insurance Claims FAQ
1
How long does it take to process a claim?
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If the policy has been in force for more than two years, it is considered Incontestable and will be processed as soon as all required documents are received and reviewed.
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If the policy has been in force for less than two years, it is considered Contestable and may require further review, which could extend processing time.
For more details, visit our [Life Claim Filing Instructions].
2
Once my claim has been processed, how long will it take to receive my check?
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You should receive your check within 10 to 15 business days after claim processing.
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If you haven't received it within 30 days, contact our Customer Service Department:
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Phone: (800) 333-0637 or (205) 325-4979
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Hours: Monday – Friday, 8:30 a.m. to 6 p.m. Eastern
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3
My policy is less than two years old. How can I expedite my claim?
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Ensure all sections of the Claimant Statement are completed accurately.
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List all medical providers who treated the insured within the last five years.
For more details, visit our [Life Claim Filing Instructions].
4
How can I expedite an accidental death benefits claim?
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All accidental death benefits are subject to investigation, regardless of how long the policy has been in force.
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Provide copies of the following documents along with the claim form, certified death certificate, and obituary (if available):
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Autopsy, toxicology, and police reports
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Certified copy of the coroner’s report
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5
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):
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Autopsy, toxicology, and police reports
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A certified copy of the coroner’s report
6
How do you determine who receives the payout?
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The designated beneficiary listed on the policy application will receive the proceeds.
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If no beneficiary was chosen, the payout is issued to the insured’s estate, unless a Last Will and Testament names a recipient.
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If there is no estate, a court-issued document, such as a No Estate Affidavit or Small Estate Affidavit, will be required.
For guidance on obtaining this document, contact your local County Court Clerk.
Health Insurance Claims FAQ
1
How long does it take to process a health insurance claim?
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Policies in force for more than two years are Incontestable and processed once all required documents are received.
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Policies in force for less than two years are Contestable and may require additional review.
2
How long will it take to receive my check?
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Once processed, checks are typically issued within 10 to 15 business days.
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If not received within 30 days, contact our Customer Service Department:
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Phone: (800) 333-0637 or (205) 325-4979
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Hours: Monday – Friday, 7:30 a.m. to 5 p.m. Central
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3
How can I expedite my claim if my policy is less than two years old?
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Submit itemized medical billing statements.
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Fully complete the Claimant Statement, including listing all medical providers from the last four years.
4
Why is additional information required for claims under two years old?
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Policies in effect for less than two years undergo a more detailed review to verify eligibility.
5
What is the difference between a UB-04 and a CMS1500?
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UB-04: Typically used for hospital stays.
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CMS1500: Used for clinic or physician visits.
6
Why do both a UB-04 and itemized medical billing statements need to be submitted?
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The UB-04 contains diagnosis and procedural codes that may not be present on standard billing statements.
7
Why are medical narratives (Doctor’s Notes) requested for accident claims?
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Diagnosis codes on UB-04 or CMS1500 forms may not fully explain the reason for the ER or physician visit.
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Medical narratives provide detailed insights into the diagnosis, treatment, and circumstances of the injury.
