Claims Support

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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Life Insurance Claims Process

Follow our step by step guide to submit your claim. Click on each gray box to reveal a different step of the process. 

STEP 1 - Start your claim

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:

  • The insured's full name and date of birth
  • The policy number (don’t worry if you don’t have this)
  • The last four digits of the insured’s Social Security Number

STEP 2 - Submit your claim paperwork

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.  

Receiving a claim packet by mail

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.

Downloading and printing forms

If you wish to download and print forms yourself, you may access those by clicking on the ‘Forms’ tab above.

Returning your forms by mail

The forms in the packet should be filled out and mailed back to us as quickly as possible.

Mailing addresses:

Regular mail                   
P.O. Box 83303                
Lincoln, NE 68501   

Overnight mail                   
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. 

STEP 3 - We'll review your claim

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.

STEP 4 - We'll decide the outcome of your claim

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.

Claim Form - Life Claimant Statement

For all states except New York. Fill this out to request payment of the death benefit.

Claim Form - Life Claimant Statement New York

For New York only. Fill this out if deceased lived, purchased coverage, or died in NY. You may also fill this out if the beneficiary lives in NY. You’ll fill this out to request payment of the death benefit.


This is your authorization allowing us to obtain the insured’s medical information.

Supplemental Claims

Fill this out if the insured’s death occurred within the first two years of the policy issue date or reinstatement date.

Direct Deposit Authorization

Fill this form out if you’d like the payment to be deposited directly to your bank account.

Affidavit of Next of Kin form

This is a sworn written statement that identifies all blood and adopted relatives of the deceased. Fill this out and note that this statement requires notarization.

Health Insurance Claims Process

Medicare Supplement insurance (Medigap) is unique because it works alongside Medicare. Medicare Supplement insurance pays some of the health care expenses that original Medicare does not cover such as co-payments or deductibles. Think of Medicare as primary health insurance coverage, while Medigap fills in the holes, or "gaps."

So, what does that mean for your Medicare Supplement claim?

You usually won't have to file a Medicare claim. Doctors' offices will file the claim to Medicare first, who will pay that claim electronically. After Medicare pays, then Medigap plan will pay next.

All Medicare Supplement claims are automatically sent to Lumico electronically from Medicare once they have completed their review and processing of the claim(s). Typically, claims processing takes less than four business days.

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