What to do when a OneAmerica Financial account holder dies
Contact OneAmerica Financial's Individual Life & Annuity Policy Services — 4-step process, 7 required documents, and within 5 business days after all required documents are received. death claims should be filed as soon as a certified death certificate is issued, but no later than one year from the date of death.
Policy Service
Phone1-800-537-6442
Mailing Address
OneAmerica Financial Partners, P.O. Box 368, Indianapolis, IN 46206-0368
Policy Number Starts With "10" or "0"
Policy Number Starts With "5" or "L"
Employer-Sponsored Life/Disability
Retirement Plan (Number Prefix)
Retirement Plan (Letter Prefix)
WebsiteLearn more→
Individual Life & Annuity Policy Services
Phone1-800-537-6442
Mailing Address
The Companies of OneAmerica, ATTN: Individual Life & Annuity Services, P.O. Box 368, Indianapolis, IN 46206-0368
WebsiteLearn more→
Life Insurance & Annuity Claims
Phone1-800-833-5569
Toll-Free1-800-833-5569
Fax1-317-285-1344
Mailing Address
OneAmerica Financial Partners, P.O. Box 6008, Indianapolis, IN 46206-6008
Group/Employee Benefits Life Claims
Long-Term Care / Asset Care Claims
Disability Claims
WebsiteNotify online→
Verified May 2026
A death claim on a OneAmerica Financial policy is filed through the Individual Life & Annuity Policy Services (1-800-833-5569). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
OneAmerica Financial provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
To file a claim after an account holder's death, here is what OneAmerica Financial requires:
Filing a claim
1
Gather initial documentation:
- Locate the OneAmerica policy or annuity contract documents and note the policy/contract number
- Obtain certified copies of the death certificate from the local vital records office
2
Report the death claim to OneAmerica:
- File online at oneamerica.com/file-a-claim/life-insurance-and-annuities, or call the appropriate claims line: 1-800-833-5569 for individual life/annuity claims, 1-800-553-3522 for group/employee benefits life claims, or 1-800-352-6608 for long-term care/Asset Care claims (all lines Monday-Friday, 8:00am-5:00pm ET)
- You may leave a message after 5:00pm ET and expect a return call by 10:00am ET the following business day
- OneAmerica will mail an acknowledgment letter and a Life Insurance Claims Packet or Deferred Annuity Claims Packet to the beneficiary
3
Complete and submit the claims packet:
- Complete and sign the required claim forms included in the packet, including the Beneficiary Claim Form (Form R-33492)
- Submit the completed claim packet along with a certified death certificate and the original policy/contract if available
- Submit by mail to OneAmerica Financial Partners, P.O. Box 6008, Indianapolis, IN 46206-6008, by email to claims.ind@oneamerica.com, or by fax to 317-285-1344
- Secure documents can be sent via secure-oneamerica.com (register for a secure mailbox to exchange encrypted emails)
4
Claim review and processing:
- OneAmerica will advise the beneficiary in writing and by phone if additional claim requirements are needed
- Once all required documents are received, OneAmerica processes the claim within 5 business days
Required Documents
- Completed Life Insurance Claims Packet or Deferred Annuity Claims Packet (provided by OneAmerica after claim is reported)
- Beneficiary Claim Form (Form R-33492, included in claims packet)
- Certified death certificate
- Original policy or contract (if available)
- Government-issued photo ID for the beneficiary
- Trust documents and trustee identification (if a trust is the named beneficiary)
- Letter of Testamentary or Letters of Administration (if the beneficiary is an estate)
Individual life and annuity claims: 1-800-833-5569 (Monday-Friday, 8:00am-5:00pm ET); fax: 317-285-1344; email: claims.ind@oneamerica.com. Group/employee benefits life claims: 1-800-553-3522 (Monday-Friday, 8:00am-5:00pm ET); fax: 317-285-7663; email via secure-oneamerica.com. Long-term care/Asset Care claims: 1-800-352-6608 (Monday-Friday, 8:00am-5:00pm ET); fax: 317-285-5239; email: longtermcareclaims.ind@oneamerica.com. Disability claims: 1-855-517-6365 (Monday-Friday, 8:00am-6:00pm ET); fax: 844-287-9499; email: Disability.Claims@OneAmerica.com. Group claims mailing: OneAmerica Financial Partners, Inc., P.O. Box 368, Indianapolis, IN 46206-0368. OneAmerica is prohibited from releasing information to a funeral home prior to receipt and review of the claim, death certificate, and assignment.
Expected timelines at OneAmerica Financial: Within 5 business days after all required documents are received. Death claims should be filed as soon as a certified death certificate is issued, but no later than one year from the date of death. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by OneAmerica Financial includes Completed Life Insurance Claims Packet or Deferred Annuity Claims Packet (provided by OneAmerica after claim is reported), Beneficiary Claim Form (Form R-33492, included in claims packet), and Certified death certificate, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Call the OneAmerica Financial policy service number for your policy prefix: 1-800-437-4692 (starts with "10" or "0"), 1-800-428-2316 (starts with "5" or "L"), or 1-800-537-6442 (all other policy numbers). You can also email policyservice@oneamerica.com or submit a policy service request online at oneamerica.com/contact-us/policy-service-request to request a beneficiary change form. Complete the form with each beneficiary's full legal name, date of birth, Social Security number, relationship, and percentage allocation. Return the completed form by mail to OneAmerica at P.O. Box 368, Indianapolis, IN 46206-0368. Life events such as marriage, divorce, births, deaths, or adoptions may necessitate updates to your beneficiary designations.
Yes. An Irrevocable Life Insurance Trust (ILIT) can own a OneAmerica life insurance policy, removing the death benefit from the grantor's taxable estate. The trustee should apply for and own the policy from inception when possible. If transferring an existing policy to an ILIT, a three-year lookback rule under IRC Section 2035 applies for estate tax purposes. Contact OneAmerica at 1-800-537-6442 to request the appropriate ownership transfer form. For annuities and Annuity Care products, trust-owned non-qualified annuities may lose tax-deferral benefits under IRC Section 72(u), so consult a tax advisor.
For individual life insurance and annuity claims, call 1-800-833-5569 (Monday-Friday, 8:00am-5:00pm ET) or email claims.ind@oneamerica.com. For group/employee benefits life claims, call 1-800-553-3522 (Monday-Friday, 8:00am-5:00pm ET). OneAmerica will mail an acknowledgment letter and a claims packet to the beneficiary. Complete and return the claim forms with a certified death certificate and the original policy if available. Claims are processed within 5 business days after all required documents are received. Death claims should be filed no later than one year from the date of death.
Asset Care combines whole life insurance with long-term care benefits. The guaranteed death benefit can be accessed tax-free to help pay for qualifying long-term care services under the Pension Protection Act. If you do not require long-term care support, the cash value remains accessible for emergencies or passes to your beneficiaries as a death benefit. A trust can be named as beneficiary to receive the death benefit. Premiums cannot be increased once the policy is issued. Contact OneAmerica at 1-800-537-6442 to discuss trust beneficiary and ownership options.
For group/employee benefits life insurance claims, call a OneAmerica Claim Representative at 1-800-553-3522 (Monday-Friday, 8:00am-5:00pm ET) or locally at 317-285-5002. You can also email lifeclaims.employeebenefits@oneamerica.com or fax at 317-285-7666. Contact your employer HR or benefits department first, as they may need to provide information to OneAmerica. The death claim should be filed as soon as a certified death certificate is issued, but no later than one year from the date of death. A message may be left after 5:00pm ET with a return call expected by 10:00am ET the following business day.
OneAmerica completed the sale of its full-service retirement plan recordkeeping business to Voya Financial on January 1, 2025. Approximately $60 billion in plan assets across roughly 8,000 retirement plans transitioned to Voya. If the deceased held a 401(k), 403(b), or other workplace retirement plan that was previously serviced by OneAmerica, the death claim is now handled by Voya. Contact Voya Customer Service at 1-800-584-6001 or log in at my.voya.com for plan-specific claim instructions. OneAmerica retains its individual life insurance, annuity, asset-based long-term care, and employee benefits (group life/disability) businesses, and continues to handle death claims directly for those products at 1-800-833-5569 (individual life/annuity) or 1-800-553-3522 (group life).
OneAmerica uses different phone numbers depending on your product and policy number prefix. For individual life/annuity policy service: 1-800-437-4692 (policy starts with "10" or "0"), 1-800-428-2316 (policy starts with "5" or "L"), or 1-800-537-6442 (all other policy numbers). For employer-sponsored life/disability: 1-800-553-5318. For retirement plan participants: 1-800-858-3829 (plan number starts with a number) or 1-800-249-6269 (plan number starts with a letter). For individual life/annuity death claims: 1-800-833-5569 (Monday-Friday, 8:00am-5:00pm ET). For group/employee benefits life claims: 1-800-553-3522. For long-term care and Asset Care claims: 1-800-352-6608. For disability claims: 1-855-517-6365 (Monday-Friday, 8:00am-6:00pm ET). All lines are staffed Monday-Friday; leave a message after hours and expect a callback by 10:00am ET the following business day.
OneAmerica Financial's Life Insurance & Annuity Claims can be reached by phone at 1-800-833-5569, email at claims.ind@oneamerica.com, and fax at 1-317-285-1344 for questions throughout the claims process.
Multiple OneAmerica Financial policies may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Individual Life & Annuity Policy Services to confirm what applies.
Policy Service
Phone1-800-537-6442
Mailing Address
OneAmerica Financial Partners, P.O. Box 368, Indianapolis, IN 46206-0368
Policy Number Starts With "10" or "0"
Policy Number Starts With "5" or "L"
Employer-Sponsored Life/Disability
Retirement Plan (Number Prefix)
Retirement Plan (Letter Prefix)
WebsiteLearn more→
Individual Life & Annuity Policy Services
Phone1-800-537-6442
Mailing Address
The Companies of OneAmerica, ATTN: Individual Life & Annuity Services, P.O. Box 368, Indianapolis, IN 46206-0368
WebsiteLearn more→
Life Insurance & Annuity Claims
Phone1-800-833-5569
Toll-Free1-800-833-5569
Fax1-317-285-1344
Mailing Address
OneAmerica Financial Partners, P.O. Box 6008, Indianapolis, IN 46206-6008
Group/Employee Benefits Life Claims
Long-Term Care / Asset Care Claims
Disability Claims
WebsiteNotify online→
Verified May 2026
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