What will happen if my premium payment is late?
You have a 30 day grace period to make a premium payment before your policy lapses.
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What payment methods are available to make premium payments?
At this time we accept ACH, Checks, cashier’s Checks, Credit/ Debit Cards, and Money orders.
ACH or bank drafts can be set up for Automatic Monthly draft. All other forms of payment need to be called or mailed in.
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How do I change the owner on my policy?
Fill out the Owner Change Form which can be downloaded from the FORMS page located under the POLICYHOLDER tab or download the file directly: Owner_Change_Form.pdf
If it will be a non-natural owner like a funeral home or trust you will need to include a corporate resolution or the trust documents.
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Can I take a loan against my policy?
Please call us for available loan amount.
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How do I make payments on my policy loan?
We can set up monthly automatic ACH loan payments, call us for the form.
Credit/ Debit cards called in.
Check or money orders mailed in. Please make sure to put LOAN PAYMENT on any mailed payments.
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What happens if I can’t make my premium payments?
Depending on the policy you have the following options
- Have an extended term amount for a certain period of time.
- A loan to pay premiums.
- Take a reduced death benefit to have a paid up amount.
Please call us for your specific policy options.
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What is final expense insurance?
A lower amount of insurance coverage designed to pay for final expenses like funeral or burial costs. It is not associated with a specific funeral home or mortuary.
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What will my Beneficiaries need to do when I pass away?
Call us with the policy number or as much information on the insured as possible.