What to do when a Globe Life account holder dies
Report the death to Globe Life's Life Claims Division at 1-800-654-5433
When an insured person dies, the beneficiary or executor should contact Globe Life's Life Claims Division at 1-800-654-5433 to start the claims process. Insurance proceeds are paid directly to the named beneficiary and do not go through probate. How quickly the claim is processed depends on the policy type, documentation, and cause of death.
Death claim process
Follow these steps to file a death claim with Globe Life:
Filing a claim
- Globe Life And Accident Insurance Company: form GLB1065452
- Liberty National Life Insurance Company: form LND1065452
- United American Insurance Company: form UAI1065452
- American Income Life Insurance Company: form AIL1065452
- Family Heritage Life Insurance Company of America (Globe Life Family Heritage Division): form FHD1065452
- Globe Life Insurance Company of New York: form GNY1065452
- National Income Life Insurance Company: form NIL1065452
- If you cannot tell, the claims page says to select Globe Life And Accident Insurance Company
- It asks for the deceased person's other names (maiden, hyphenated, nickname), residence address at death, SSN, dates of birth and death, and any union local or worksite
- It asks for one cause of death: Accident, Cancer, Heart Disease, Homicide, Respiratory Disease, Suicide, Unknown or Undetermined, or Other
- Each additional beneficiary completes the Additional Beneficiary page (p. 4)
- The Certification you sign says: "In the event we overpay you, we reserve the right to reclaim the total amount we overpaid."
- Its examples are paying more than the claim entitles you to, or paying you money meant for someone else
- Authorization for Release of Deceased's Health Information Pursuant to HIPAA (p. 6; p. 5 on the Family Heritage form)
- Statement of Medical Provider (p. 7; p. 6 on the Family Heritage form), completed by the deceased person's medical provider
- Its item 7 asks the provider to "List all health practitioners who treated the deceased in the past five years (name, specialty, and address)"
- The claims page says listing on the Claimant Statement all known medical providers who treated the insured in the last 5 years expedites a contestable claim
- "I am a beneficiary." Relationship to the insured is required
- "I am a legal guardian, power of attorney designee, conservator and have attached a copy of the document granting authority."
- "I am the Administrator / Executor of the Estate and have attached court ordered Letters of Testamentary, Executor of Estate documents, or other legal documentation."
- "There is no court appointed Administrator/Executor and I am the Next of Kin." Relationship to the insured is required
- The list has no trustee option
- Globe Life And Accident, Liberty National and Family Heritage: eclaims.globelifeinsurance.com
- American Income Life: eclaims.ailife.com
- United American: eclaims.unitedamerican.com
- Globe Life of New York: eclaims.globelifeofnewyork.com
- National Income Life: eclaims.nilife.com
- Globe Life And Accident: (800) 654-5433, Monday-Friday 7:30am-6pm Central
- Liberty National: (800) 333-0637 or (205) 325-4979, Monday-Friday 7:30am-5pm Central
- American Income Life: 800-433-3405
- National Income Life: 800-516-4466
- Family Heritage: (440) 922-5151
- United American and Globe Life of New York: 800-654-5433, the number both claim forms print
- Globe Life And Accident: Life Claims Division, PO Box 8076, McKinney, TX 75070 (fax (405) 270-1496, email claims@globe.life)
- Liberty National: LN Life Claims Department, PO Box 8066, McKinney, TX 75070 (fax 405-270-1496, email LNDClaims@Globe.Life)
- United American: Attn: Claims Division, P.O. Box 8076, McKinney, TX 75070-8076. The claims page gives fax (972) 569-3709; the claim form gives fax 405-270-1496 and Claims@Globe.Life
- American Income Life: AIL Life Claims Department, PO Box 2500, Waco, TX 76702 (fax 254-741-5705, email CL@AILife.com)
- National Income Life: NILICO Life Claims Department, PO Box 2500, Waco, TX 76702 (fax 254-741-5705, email CL@NILife.com)
- Globe Life of New York: the claims page gives Attn: Claims, Post Office Box 3125, Syracuse, NY 13220-3125 (fax 315-451-7679, email CLStatus@globe.life)
- The Globe Life of New York claim form gives the Life Claims Department, PO Box 8076, McKinney, TX 75070 (fax 405-270-1496, email Claims@Globe.Life)
- Family Heritage: Globe Life Family Heritage Division, Attn: Claims Department, P.O. Box 470608, Cleveland, OH 44147 (fax 440-922-5152)
Required Documents
- Proof of Death Claimant Statement for the underwriting companyEach underwriting company has its own form, linked from its section of the claims page.
- Death certificate showing cause and manner of deathUp to $50,000, a copy. Over $50,000, a certified copy with a raised or colored seal; "a copy may be accepted if it comes directly from a funeral home, funding company, agent, or attorney."
- Original certified death certificate, by mail, for a Family Heritage claim over $50,000"If the death certificate is directly received from a funeral home or funding company, or for claims $50,000 or less, a copy will be accepted."
- Obituary, if available
- Funeral assignment paperwork, if you signed a document with a funeral home authorizing payment directly to itProvide a copy of that document.
- Accident and homicide records, for an accidental death claim or a death where the manner of death is homicideAutopsy and toxicology reports, ambulance records, police reports and dated newspaper articles.
- HIPAA authorization and Statement of Medical Provider (pp. 6-7 of the form), if the policy is less than 2 years oldThe deceased person's medical provider completes the statement.
- Court Order appointing you executor or administrator, if the proceeds may be payable to the estate"If you do not have a Court Order, please submit information regarding the next of kin."
- Copy of the appointment papers, if you hold a durable power of attorney, guardianship or conservatorship for the beneficiaryThe papers name you as the representative for the beneficiary.
- Birth certificate and any custodial documents, if a beneficiary is a minor child"If the above beneficiary is a minor child, please provide a copy of their birth certificate and any applicable custodial documents."
- Direct Deposit (EFT) Authorization (p. 5), to be paid by direct deposit on a claim under $50,000
- The original policy, for a Family Heritage life claim"If lost or destroyed, you must certify this on a separate sheet of paper."
- Documentation of a name change, for a Family Heritage life claim where the insured or a beneficiary changed names
Claims Contact
Website: Online portal →
Forms Globe Life issues7
- Life Insurance Claim Form, Globe Life And Accident (GLB1065452 0725)
Completed by the beneficiary or claimant. Available to download.1
- Life Insurance Claim Form, Liberty National (LND1065452 0926)
Completed by the beneficiary or claimant. Available to download.2
- Life Insurance Claim Form, United American (UAI1065452 0825)
Completed by the beneficiary or claimant. Available to download.3
- Life Insurance Claim Form, American Income Life (AIL1065452 0626)
Completed by the beneficiary or claimant. Available to download.4
- Life Insurance Claim Form, Family Heritage (FHD1065452 0925)
Completed by the beneficiary or claimant. Available to download.5
- Life Insurance Claim Form, Globe Life of New York (GNY1065452 0325)
Completed by the beneficiary or claimant. Available to download.6
- Life Insurance Claim Form, National Income Life (NIL1065452 0926)
Completed by the beneficiary or claimant. Available to download.7
What happens to each kind of account1
- Life insurance policy
The benefit is issued to the Estate of the Insured when "no beneficiary is chosen while the policy is in force, or the listed beneficiary(ies) is no longer living at the time of the insured's death." A change in beneficiary designation cannot be accepted after the insured has died.8
Accounts handled elsewhere7
- Liberty National Life Insurance Company, LN Life Claims Department
Death claims on Liberty National policies2
Phone: 1-800-333-0637
Email: LNDClaims@Globe.Life
Fax: 1-405-270-1496
Mailing address: LN Life Claims Department, PO Box 8066, McKinney, TX 75070
- United American Insurance Company, United American Claims Department
Death claims on United American policies3
Phone: 1-800-654-5433
Email: Claims@Globe.Life
Fax: 1-405-270-1496
Mailing address: United American Claims Department, PO Box 8076, McKinney, TX 75070
- American Income Life Insurance Company, AIL Life Claims Department
Death claims on American Income Life policies4
Phone: 1-800-433-3405
Email: CL@AILife.com
Fax: 1-254-741-5705
Mailing address: AIL Life Claims Department, PO Box 2500, Waco, TX 76702
- National Income Life Insurance Company, NILICO Life Claims Department
Death claims on National Income Life policies7
Phone: 1-800-516-4466
Email: CL@NILife.com
Fax: 1-254-741-5705
Mailing address: NILICO Life Claims Department, PO Box 2500, Waco, TX 76702
- Family Heritage Life Insurance Company of America, FHL Claims Department
Death claims on Family Heritage policies5
Phone: 1-440-922-5151
Fax: 1-440-922-5152
Mailing address: FHL Claims Department, PO Box 470608, Cleveland, OH 44147
- Globe Life Insurance Company of New York, Claims
Death claims on Globe Life of New York policies8
Email: CLStatus@globe.life
Fax: 1-315-451-7679
Mailing address: Attn: Claims, Post Office Box 3125, Syracuse, NY 13220-3125
- Globe Life And Accident Insurance Company, Medicare Claims
Medicare Supplement claims on Globe Life And Accident policies8
Fax: 1-972-569-3709
Mailing address: Attn: Medicare Claims, PO Box 8080, McKinney, TX 75070-8080
What Globe Life's agreement and guidance say2
- Contestability of a recent policy
A policy in force longer than two years is "Incontestable" and is paid as soon as all required documents are received and examined. A policy in force less than two years is "Contestable" and subject to further review, which could increase the processing time.8
All accidental death benefits are investigated, however long the coverage has been in force, to ensure the death meets the policy's definition of an accident. All claims where the manner of death is homicide are investigated.8
- How proceeds are paid
A claim under $50,000 can be paid by check or direct deposit; "for claims of $50,000 or more, payment will be made by check only." A claim with no payment option selected is paid by check, and certain policies may not be eligible for ACH.1
If you elect direct deposit, all claim payments are made by direct deposit whether you submit the claim electronically or by mail. If the payment cannot be sent to the bank account given, a check goes to the address of record.1
Sources8
- 1.Life Insurance Claim Form, Globe Life And Accident Insurance Company (GLB1065452), GLB1065452 0725
- 2.Life Insurance Claim Form, Liberty National Life Insurance Company (LND1065452), LND1065452 0926
- 3.Life Insurance Claim Form, United American Insurance Company (UAI1065452), UAI1065452 0825
- 4.Life Insurance Claim Form, American Income Life Insurance Company (AIL1065452), AIL1065452 0626
- 5.Life Insurance Claim Form, Family Heritage Life Insurance Company of America (FHD1065452), FHD1065452 0925
- 6.Life Insurance Claim Form, Globe Life Insurance Company of New York (GNY1065452), GNY1065452 0325
- 7.Life Insurance Claim Form, National Income Life Insurance Company (NIL1065452), NIL1065452 0926
- 8.Globe Life Insurance - File an Insurance Claim
A check typically arrives within 10-15 business days from the time the claim was processed.
Globe Life's Life Claims Division can be reached by phone at 1-800-654-5433, email at claims@globe.life, and fax at 1-405-270-1496 for questions throughout the claims process.
Sources
Data sourced from Globe Life primary sources (17 pages reviewed). How we research.
Globe Life death claims support
Life Claims Division
Phone
Toll-free
American Income Life claims
National Income Life claims
Family Heritage claims
Liberty National claims
Liberty National claims (alternate)
United American and Globe Life of New York claims
Fax
Hours
Mailing address
Website
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