As a time-saver for our policyholders and agents, we’ve compiled a list of questions that we’re asked a lot or that we anticipate you might want to ask. Have a look and if we haven’t answered your question, please call us at 800.422.2011 or use our contact form.
A: A policy is in the contestable period during the first two years after the policy issue date or reinstatement date. If a claim death occurs during this period, an investigation may occur during the claims process.
A: Because there are many different types of policies and claim forms, please contact our Benefit Payment Department at 1.800.422.2011, ext. 4126 to ensure you complete the proper forms. We do not allow online claim submission at this time. Most claim paperwork can be submitted by fax. If original documents are required, those will need to be sent by mail.
A: A: Your address can be changed by completing the form linked below.
A: Only the policy Owner has the right receive policy information or make policy changes. The insured is the person who is covered by the policy. The beneficiary is the person that will receive the policy proceeds upon the death of the insured. If the policy owner has died before the insured, please contact our Customer Service Department at 1.800.422.2011, ext. 5600.
A: We are often contacted regarding Franklin Life Insurance Company policies because we assumed preneed business issued by Franklin American Life Insurance Company. Franklin Life and Franklin American are different companies. Franklin Life is now part of AIG. We are not affiliated with AIG, but we have included their contact information here: AIG
Phone: 800.231.3655
PO Box 9000
Amarillo TX 79105
http://www.aig.com/contactus_3789_587625.html
If your policy was issued by Franklin American, please contact our Customer Service Department at 1.800.422.2011, ext. 5600.
A: Currently we do not offer online policy access. Please contact our Customer Service Department 1.800.422, 2011, ext. 5600 or your Investors Heritage representative.
A: Need help, but not sure who to ask? Here is a brief description of our different departments and how they can help:
Customer Service
1.800.422.2011, ext 5600 : questions or requests for changes to existing policies, changes to payment method or frequency.
Agency
1.800.422.2011, ext. 4130: Contact our agency department if you need to know how to contact your Investors Heritage representative, have a question about purchasing insurance.
Premium Accounting
1.800.422.2011, ext. 4127:questions about your premium payments or want to change your banking or credit card information for premium payments.
Benefit Payments
1.800.422.2011, ext. 4126: questions regarding filing a claim, claims in progress or claim payment.
A: If living at the time of the insured’s death, the Primary Beneficiary will receive the policy proceeds. The Contingent Beneficiary will only receive the policy proceeds if the Primary Beneficiary is deceased.
A: You can change your bank or credit card information with this form (link to form) or by contacting our Premium Accounting Department at 1.800.422.2011, ext. 4127.
A: Changing your payment method or frequency may affect your premium amount. Please contact our Premium Accounting Department at 1.800.422.2011, ext. 4127.
A: Changing your payment frequency will change your premium amount. Please contact our Customer Service Department. Phone 1.800.422.2011, ext. 5600 so we can give you the new premium amount.
A: Currently we do not offer online premium payment. Please contact our Premium Payment Department at 1.800.422.2011, ext. 4127.
A: Our premium notices are sent automatically. Your payment and our bill may have crossed in the mail. If your payment was not received 15 days after it was due, a second premium notice is sent automatically. If you need assistance, please contact our Customer Service Department. Phone 1.800.422.2011, ext. 5600.
A: We have purchased or assumed the policies from the following:
A: To protect your policy, we do not allow these changes to be made online. Please contact our Customer Service Department. Phone 1.800.422.2011, ext. 5600.
A: Commission information is available online at the IH Agent Portal. To create an account or log in, click the link at top of page.
A: Please complete the ACH enrollment form linked below. If you have any questions, please contact our Agency Accounting Department at 1.800.422.2011, ext. 4128.
A: Need help, but not sure who to ask? Here is a brief description of our different departments and how they can help:
Customer Service
1.800.422.2011, ext 5600: questions or requests for changes to existing policies, changes to payment method or frequency.
Underwriting / New Business
1.800.422.2011 ext 4129: questions regarding application submission, submitted policy applications not yet in force, pending items, delivery requirements.
Agency
1.800.422.2011, ext. 4130: questions from agents regarding appointment with Investors Heritage, supplies, product information and product calculators.
Agency Accounting
1.800.422, 2011, ext. 4128: questions regarding commissions, commission payment and direct deposit enrollment or changes.
Premium Accounting
1.800.422, 2011, ext. 4127: policyholder and agent questions regarding premium payments, changes to payment method and payment frequency.
Benefit Payments
1.800.422.2011, ext. 4126: questions regarding filing a claim, pending claims and claim payment.
A: Your address can be changed through the IH Agent Portal linked below, or by completing the form linked below.
A: Funeral Homes and independent agents, please contact our Agency Department at 1.800.422.2011, ext. 4130. If you are an agent working through an IMO, please contact your IMO for appointment procedures.
A: Funeral Homes and independent agents can use the form linked below. Or you can contact our Agency Department at 1.800.422.2011, ext. 4130
If you are an agent working through an IMO, please contact your IMO for supplies.
A: Please contact our Customer Service Department 1.800.422.2011, ext. 5600.
A: Franklin American Life Insurance Company, Memorial Service Life Insurance Company, Texas Memorial Life Insurance Company, Regal Life Insurance Company, Northwest Security Life Insurance Company, Commercial Travelers, George Washington Life Insurance Company, Coastal Plains Life Insurance Company.
A: Preneed reports can be generated by funeral home from the IH Agent Portal. To create an account or log in click the link above. Or contact the Agency Department: agency@ihlic.com or 1.800.422,2011 ext. 4130.
A: For Independent Agents and Funeral Homes: Policy applications and accompanying forms may be submitted to us through our agent portal. To login to the portal or create a portal account click the link below.
You can also contact us by fax: 502-227-7205, or by mail:
Investors Heritage Underwriting
PO Box 717 Frankfort KY 40602.
If you submit documents by portal upload or fax, do not send the originals by mail. If you are an insurance agent working through an IMO, please contact your IMO for instructions.
A: Delivery receipts and other forms may be submitted to us through our agent portal, to log in to the portal or create a portal account click the link below.
Or, contact us by fax: 502-227-7205 or by mail:
Investors Heritage Underwriting
PO Box 717 Frankfort KY 40602.
If you submit documents by portal upload or fax, do not send the originals by mail.
A: You can check the status of new business, as well as view commission information and other policy information on the IH agent portal, or by contacting the Underwriting Department. To logon or create an account, click the link below. Or, call Underwriting at 1.800.422.2011, ext. 4129.
A: These are our standard policy status codes. If you have a question, please contact Underwriting : 1.800.422.2011, ext. 6508
00 = ACTIVE
01 = LAPSE
02 = CASH SURRENDER
03 = EXPIRED FROM PREMIUM PAY
04 = MATURED
05 = DEATH
06 = EXPIRED FROM EXTENDED TERM
07 = EXTENDED TERM
08 = REDUCED PAID-UP
10 = NOT TAKEN
16 = CANCELLED-DELIVERY REQUIREMENTS
17 = DECLINED – UNDERWRITING
19 = CANCELLED – INCOMPLETE
20 = DECLINED – COMPANY RULES
21 = RESCINDED
22 = POSTPONE
23 = INCOMPLETE APPLICATION CANCELLED
AD = ACTIVE PENDING DELIVERY
AF = ACTIVE PENDING FOCUS
AI = ACTIVE PENDING ISSUE
AU = ACTIVE PENDING UNDERWRITING
IP = INCOMPLETE APPLICATION PENDING
PD = PENDING DELIVERY
PF = PENDING FOCUS
PI = PENDING ISSUE
PU = PENDING UNDERWRITING