You have a 30 day grace period to make a premium payment before your policy lapses.

• 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.

• 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.

• Can I take a loan against my policy?

  Please call us for available loan amount.

• 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.

• What happens if I can’t make my premium payments?

  Depending on the policy you have the following options

  1. Have an extended term amount for a certain period of time.
  2. A loan to pay premiums.
  3. Take a reduced death benefit to have a paid up amount.

   

  Please call us for your specific policy options.

• 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.

• 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.