Life Insurance Support

Life Insurance FAQs

• What is life insurance?

  Life insurance is an important piece of a strong financial plan. In the event of you passing away, you would want your family to be protected. Life insurance can help supplement your lost wages and help your family with expenses like a mortgage, college tuition and other debt.

  Learn more about life insurance 

• 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. Once you are logged in, under Benefits, select the policy name you wish to view. Then, select View Policy Document. 

  If you are unable to obtain a copy of your policy through your online account, please call us at 800-662-1113 for additional assistance. 

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  Please note: While the Insured is living, only the owner may view the policy online and/or request a copy of the policy. 

• How do I take out a loan on my policy?

  Unfortunately, you cannot request a loan through your online account. Please contact our customer care team, or call 800-662-1113.

• What happens when my term period has expired?

  If your term period has expired, coverage will automatically renew up to the maximum age stated in your policy, and you will receive a letter informing you about your new premium rate.

• What happens if I can no longer pay my premiums?

  Please contact our customer care team, or call 800-662-1113.

• Keeping Life Insurance After Changing Employers

  Yes. Your life insurance is an individual policy and can be taken with you if you leave employment. To learn more and move to direct billing, please complete the Policy Continuation contact form or call 800-943-2231.

• Why is a Form W-9 required?

  All U.S. beneficiaries are required to fill out a Form W-9 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 Form W-9 is required.

• Who can receive information regarding the benefit?

  American Fidelity can only release benefit information, including a copy of the policy, 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?

  No, if one beneficiary has submitted all necessary requirements, we can move forward with paying their portion of the benefit. 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. 

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