Filing a claim can feel overwhelming, but please know that you're not alone. We'll take you through the process step by step, and if you have any questions, you can contact us directly.
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Follow our step by step guide to submit your claim. Click on each gray box to reveal a different step of the process.
Call us at 1-866-440-4047 (Press 4), Monday – Friday, 8 AM to 6:30 PM CST, or Saturday, 8 AM to 12 PM CST.
When you’re on the phone, you will need to provide:
After initiating the claim, we will mail you a claim packet with all forms. To get things moving more quickly, you may choose to download and print the forms from our website. See below for further instructions on how to do so.
We will mail a claim packet to all beneficiaries – this can take up to 7-10 business days to receive. The forms that are in the packet should be filled out and mailed back to us as quickly as possible.
If you wish to download and print forms yourself, you may access those by clicking on the ‘Forms’ tab above.
The forms in the packet should be filled out and mailed back to us as quickly as possible.
P.O. Box 83303
Lincoln, NE 68501
777 Research Drive
Lincoln, NE 68521
If you’d prefer to fax the forms to us, that’s fine too. Forms can be faxed to 1-402-479-8924; please note that we may require a certified death certificate to be mailed in some instances.
Helpful tip: When ordering a certified death certificate, you may wish to proactively order a few extra copies to have on hand in case you need them for other aspects of settling the insured's estate or filing additional insurance claims.
Our goal is to pay every legitimate claim as quickly as possible. For claims that do not require a medical review, we decide and issue payment within 7-10 business days from the time we receive all completed claim forms and the certified death certificate.
If your claim is contestable, we must perform a more thorough review by obtaining historical medical records to validate the insured’s health status at the time of application. It can take 45 days or more to process and pay the benefit depending how quickly we receive the requested documents from the insured’s healthcare providers. During this time, you will receive status updates via letters in the mail.
Once we've received all claims requirements and completed our review, you will be notified of our decision by mail. You may choose to have benefits sent to you via paper check or automatic deposit. In situations where a full benefit cannot be paid, you will be notified via mail.