If you’re a beneficiary who has recently lost a loved one or an insured who is suffering from a serious illness or accident, we want to make the claims process as easy as possible.
Documentation to File a Claim
Life insurance claims cannot be filed online and must be mailed or faxed. You’ll need to provide these documents:
- Life insurance claim form
- Certified original death certificate
- Completed IRS W-9 Form
- Additional documents
Life Insurance FAQs
How do I change my beneficiary?
To change your beneficiary, download and complete the Beneficiary Change Form. The form requires a witness signature to complete.
How do I get a copy of my policy?
You may obtain a copy of your policy through your online account.
How do I take out a loan on my policy?
What happens when my term period has expired?
If your term period has expired, coverage will automatically renew and you will receive a letter informing you about your new premium rate.
What happens if I can no longer pay my premiums?
Can I keep my life insurance policy if I change employers?
Why is a W9 form required?
All U.S. beneficiaries are required to fill out a W9 form to comply with tax regulations. The benefit for a life insurance policy is non-taxable, but the interest may be taxable if it exceeds $600. Even if the interest amount is less than $600, a W9 form is required.
Who can receive information regarding the benefit?
American Fidelity can only release benefit information to the named beneficiary after the insured has passed.
If there are multiple beneficiaries, will American Fidelity have to wait until everyone’s paperwork has been submitted before any payments can be made?
If one beneficiary has submitted all necessary requirements, we can move forward with paying their portion of the benefit while we wait for the other beneficiaries to submit their paperwork. We will not be able to release payment to an individual beneficiary until their requirements have been submitted.
If legal affidavits are required in order to confirm the surviving heirs, American Fidelity must wait until all completed and notarized affidavits are returned before we can move forward with payment.
Will the insured be covered if they die outside the United States?
If the claim is payable, the location of the death will not impact the payment.
Are there any exclusions on the Life policy?
Exclusions and limitations are provided within your policy. You may obtain a copy of your policy through your online account.
What's the difference in life insurance types?
Life insurance is an important piece of a strong financial plan. Watch this short video to learn about the different types of life insurance American Fidelity offers.