What to do when a American Fidelity account holder dies
Contact American Fidelity — 7-step process, 8 required documents, and claims are generally processed within seven business days once all required documentation is received. direct deposit payments may arrive in as little as one day after processing. delays may occur if documentation is incomplete, the policy is within the two-year contestability period, or if the circumstances of death require further investigation.
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 N Cameron Blvd, Oklahoma City, OK 73114
WebsiteLearn more→
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 N Cameron Blvd, Oklahoma City, OK 73114
WebsiteLearn more→
Life and Annuity - Worksite
Phone1-800-662-1113
Fax1-800-818-3453
Mailing Address
American Fidelity Assurance Company, Life and Annuity - Worksite, P.O. Box 25160, Oklahoma City, OK 73125-0160
WebsiteNotify online→
Verified Apr 2026
Filing a death claim on a American Fidelity policy begins with notifying the Life and Annuity - Worksite at 1-800-662-1113. Life insurance claims are separate from probate—proceeds transfer directly to named beneficiaries regardless of whether the estate goes through court. The timeline and documentation requirements depend on the policy type and cause of death.
Death claims at American Fidelity can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
Here is the step-by-step death claim process at American Fidelity:
Filing a claim
1
Locate the American Fidelity policy documents and note the policy number
2
Obtain a certified copy of the death certificate from the local vital records office (a copy is accepted for policies with a face value under $25,000)
3
Call American Fidelity at 800-662-1113 or email afa-life-claims@americanfidelity.com to report the death and request the Claimant's Statement form (BN-151)
4
American Fidelity will send the Claimant's Statement (BN-151) and filing instructions to the named beneficiary(ies)
5
Complete and submit the claim:
- Complete the Claimant's Statement with policy and deceased information
- All U.S. beneficiaries must submit a completed IRS Form W-9 regardless of the amount of interest received
- If the policy is less than two years from the effective date or reinstatement date, additional documentation will be required
- If claiming an accidental death benefit, include a detailed police report, coroner's report, toxicology report, and newspaper clippings if applicable
6
Submit documents to American Fidelity:
- Mail to: American Fidelity Assurance Company, Life and Annuity - Worksite, P.O. Box 25160, Oklahoma City, OK 73125-0160
- Or fax to: 800-818-3453
- Or email to: afa-life-claims@americanfidelity.com
7
Set up direct deposit for fastest payment; claims with direct deposit may be paid in as little as one day after processing
Required Documents
- Completed Claimant's Statement form (BN-151)
- Certified death certificate showing final cause and manner of death (copy accepted for policies under $25,000 face value)
- Government-issued ID for the beneficiary
- IRS Form W-9 for all U.S. beneficiaries
- Policy number and deceased's information
- Additional medical documentation (if policy is within two-year contestability period)
- Police report, coroner's report, toxicology report, and newspaper clippings (if claiming accidental death benefit)
- Trust documents and trustee ID (if a trust is the beneficiary)
Life insurance claims cannot be filed online through AFmobile; they must be submitted by mail, fax, or email. The Claimant's Statement (BN-151) is available at americanfidelity.com/media/1193/bn-151.pdf and filing instructions are sent to the named beneficiary(ies) upon notification of the death. All U.S. beneficiaries must submit a Form W-9. If the policy is within the two-year contestability period, additional documentation will be required. For accidental death benefit claims, furnish a detailed police report, coroner's report, toxicology report, and newspaper clippings if applicable. For policies with a face value under $25,000, a copy of the death certificate is accepted; for $25,000 and over, a certified original is required. The location of death does not impact payment, including deaths outside the United States.
Processing timelines at American Fidelity: Claims are generally processed within seven business days once all required documentation is received. Direct deposit payments may arrive in as little as one day after processing. Delays may occur if documentation is incomplete, the policy is within the two-year contestability period, or if the circumstances of death require further investigation. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
American Fidelity requires several documents to process a claim, including Completed Claimant's Statement form (BN-151), Certified death certificate showing final cause and manner of death (copy accepted for policies under $25,000 face value), and Government-issued ID for the beneficiary, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Yes. An ILIT can own an American Fidelity life insurance policy, removing the death benefit from the grantor's taxable estate. The trust can own the policy from inception, or an existing policy can be transferred to the trust, subject to a three-year lookback rule under IRC Section 2035. Once transferred, the grantor permanently relinquishes control. Contact American Fidelity at 800-662-1113 to request an assignment form for ILIT ownership transfer. American Fidelity does not set up ILITs; you must work with an estate attorney to establish one.
Call American Fidelity at 800-662-1113 or email afa-life-claims@americanfidelity.com to report the death. A Claimant's Statement (form BN-151) and filing instructions will be sent to the named beneficiary(ies). Complete the form and submit it along with a certified death certificate (copy accepted for policies under $25,000) and IRS Form W-9 for each U.S. beneficiary. Mail to P.O. Box 25160, Oklahoma City, OK 73125-0160, fax to 800-818-3453, or email to afa-life-claims@americanfidelity.com. Life insurance claims cannot be filed online through AFmobile.
American Fidelity generally processes life insurance death claims within seven business days once all required documentation is received. Beneficiaries who set up direct deposit may receive payment in as little as one day after processing. To file a claim, call 800-662-1113 or email afa-life-claims@americanfidelity.com. A Claimant's Statement (BN-151) and filing instructions will be sent to the named beneficiary(ies). Required documents include the completed claim form, a certified death certificate (copy accepted for policies under $25,000 face value), and an IRS Form W-9 for each U.S. beneficiary.
Yes. Policyholders can manage their American Fidelity insurance products and reimbursement accounts online at americanfidelity.com or through the AFmobile app. Online account access allows beneficiary updates for certain products, policy information review, and claims filing for supplemental insurance products through AFQuickClaims. Life insurance death claims cannot be filed online through AFmobile and must be submitted by mail, fax, or email to afa-life-claims@americanfidelity.com.
American Fidelity's Life and Annuity - Worksite can be reached by phone at 1-800-662-1113, email at afa-life-claims@americanfidelity.com, and fax at 1-800-818-3453 for questions throughout the claims process.
If the deceased held multiple American Fidelity policies, each may require a separate claim or have different documentation requirements. The Life and Annuity - Worksite can confirm which accounts require individual attention and which can be processed together.
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 N Cameron Blvd, Oklahoma City, OK 73114
WebsiteLearn more→
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 N Cameron Blvd, Oklahoma City, OK 73114
WebsiteLearn more→
Life and Annuity - Worksite
Phone1-800-662-1113
Fax1-800-818-3453
Mailing Address
American Fidelity Assurance Company, Life and Annuity - Worksite, P.O. Box 25160, Oklahoma City, OK 73125-0160
WebsiteNotify online→
Verified Apr 2026
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