What to do when an United American account holder dies
Report the death to United American Claims Department at 1-800-654-5433
A death claim on a United American policy is filed through United American Claims Department (1-800-654-5433). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
The claim process can be initiated by phone at 1-800-654-5433 or by sending documentation to Claims@Globe.Life. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
To file a claim after an account holder's death, here is what United American requires:
Filing a claim
- Complete the Claimant Statement (pp. 2-3), and the Additional Beneficiary page (p. 4) if applicable.
- For claims below $50,000, complete the Direct Deposit (EFT) Authorization (p. 5).
- If the policy is less than two years old, also complete the HIPAA authorization (p. 6) and have the deceased's medical provider complete the Statement of Medical Provider (p. 7).
Required Documents
- Proof of Death Claimant Statement (Life Insurance Claim Form UAI1065452)
- Copy of the death certificate with cause and manner of death, for claims up to $50,000
- Certified death certificate (with raised or colored seal) with cause and manner of death, for claims over $50,000A copy may be accepted if it comes directly from a funeral home, funding company, agent, or attorney.
- Obituary
- Name, address, and telephone number of the beneficiary
- Copy of the police report or coroner's report and newspaper clippings, if the death was the result of an accident or homicide
- Autopsy and toxicology reports, ambulance records, police reports, dated news articles, for accidental death claims and claims where the manner of death is homicide
- Copy of any funeral assignment paperwork, if you signed a document with a funeral home that authorizes United American to pay it directly
- Copy of the appointment papers naming you as the representative for the beneficiary, if you have a durable power of attorney, guardianship or conservatorship
- Court order appointing you as executor or administrator of the estate, if the proceeds may be payable to an estateIf you do not have a court order, submit information regarding the next of kin.
- Copy of a minor beneficiary's birth certificate and any applicable custodial documents, if a beneficiary is a minor child
- HIPAA authorization and Statement of Medical Provider, if the policy is less than two years oldThe Statement of Medical Provider is completed by the deceased's medical provider.
- Form W-8BEN (individuals) or W-8BEN-E (entities), if the claimant is not a U.S. citizen, U.S. resident alien, or other U.S. person for tax purposes
Claims Contact
Website: Online portal →
Forms United American issues1
- Life Insurance Claim Form (Proof of Death Claimant Statement), UAI1065452
Completed by the beneficiary or claimant. Available to download.1
What happens to each kind of account1
- Health, long-term care or disability policy
United American receives the majority of its Medicare Supplement claims from Medicare and the provider. If a claim has not been received, a copy of the Medicare Summary Notice can be sent to United American Medicare Claims.2
Accounts handled elsewhere2
- United American Medicare Claims
Medicare Supplement claims3
Fax: 1-972-569-3709
Mailing address: United American Insurance Company, Attn: Medicare Claims, P.O. Box 8080, McKinney, TX 75070-8080
- United American Non-Medicare Health Claims
Cancer insurance claims3
Email: pbcancerunitfax@globe.life
Fax: 1-214-544-5336
Mailing address: United American Insurance Company, Attn: Non-Medicare Health Claims, PO Box 8080, McKinney, TX 75070-8080
What United American's agreement and guidance say2
- How proceeds are paid
For claims under $50,000, the beneficiary can choose a check or direct deposit; certain policies may not be eligible for ACH. For claims of $50,000 or more, payment is made by check only.1
By signing the claim form, the beneficiary agrees to repay any amount United American overpays, for example a payment meant for someone else.1
- What it says about taxes
The claim form's Tax Certification section says "Failure to complete this section may subject you to backup withholding."1
Not in United American's published guidance1
- How long a claim takes
Frequently asked questions
United American's claims page routes claims by product. Life insurance claims go to United American Insurance Company, Attn: Claims Division, P.O. Box 8076, McKinney, TX 75070-8076, or can be submitted online at eclaims.unitedamerican.com; the August 2025 claim form also accepts email to Claims@Globe.Life or fax to 405-270-1496. Medicare Supplement claims go to Attn: Medicare Claims, P.O. Box 8080, McKinney, TX 75070-8080, fax 972-569-3709. Cancer claims go to Attn: Non-Medicare Health Claims, PO Box 8080, fax (214) 544-5336 or email pbcancerunitfax@globe.life.
United American Claims Department 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 United American primary sources (13 pages reviewed). How we research.
United American death claims support
United American Claims Department
Phone
Claims Division fax listed on the claims page
Fax
Mailing address
Website
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