What to do when a United American account holder dies
Contact United American — 6-step process, 6 required documents, and claims are typically processed after receipt of complete documentation. delays may occur if documentation is incomplete or if the death occurs within the contestability period (first two years of the policy).
Customer Care
United American Insurance Company, 7677 Henneman Way, McKinney, TX 75070
Customer Care
United American Insurance Company, 7677 Henneman Way, McKinney, TX 75070
Life Claims
United American Insurance Company, Attn: Life Claims, P.O. Box 8076, McKinney, TX 75070-8076
A death claim on a United American policy is filed through the Life Claims (1-800-331-2512). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
United American 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 United American requires:
Filing a claim
- United American is primarily a Medicare Supplement and supplemental health carrier; most of its in-force policies pay no death benefit at all
- Medicare Supplement (Plans A, B, C, D, F, G, K, L, M, N), cancer, critical illness, accident, and group retiree health policies pay no death benefit and terminate at the insured death - there is nothing for a beneficiary to claim
- Only the whole life policies (final expense whole life, juvenile whole life) generate a death benefit claim
- The policy number and the plan name on the premium notice or ID card tell you which one you are dealing with
- Call Customer Care at 1-800-331-2512 (Monday-Friday, 7:30 a.m. - 5:00 p.m. CT) to report the death and cancel the policy
- Cancelling stops the recurring premium draft or bank draft; premiums are not automatically stopped by the death certificate reaching Medicare
- Ask Customer Care about any premium paid for coverage past the date of death - United American does not publish a refund schedule, so the refund of unearned premium is handled case by case through Customer Care
- Any refund check is an estate asset payable to the estate, not to a beneficiary - it goes to whoever is appointed to collect the estate assets
- Providers may still be submitting bills for care given before the death; United American receives most Medicare Supplement claims electronically from Medicare, so the survivor usually does not have to file them, but keep the policy account open until the last pre-death bill has cleared
- Call United American customer care at 1-800-331-2512
- Or file a claim notification online at home.globelifeinsurance.com/claims/united-american-insurance-company
- Have the policy number, insured name, date of birth, and date of death available
- United American will send the Proof of Death Claimant Statement form to the beneficiary
- Complete the form with beneficiary information and payment preference
- Include a certified copy of the death certificate
- Include an obituary
- Include beneficiary contact information (name, address, phone)
- If death involved an accident or homicide: include police or coroner reports and news clippings
- If a trust is the beneficiary: include trust documentation and trustee identification
- Mail to: United American Insurance Company, Attn: Claims Division, P.O. Box 8076, McKinney, TX 75070-8076
- Or fax to: (972) 569-3709
- United American reviews the claim and supporting documentation
- Payment is issued to the designated beneficiary upon approval
Required Documents
- Completed Proof of Death Claimant Statement form
- Certified copy of the death certificate
- Obituary
- Beneficiary contact information (name, address, phone number)
- Police or coroner reports (if death involved accident or homicide)
- Certificate of Trust and trustee ID (if trust is the beneficiary)
Claims Contact
What to know at this institution
United American routes claims to different P.O. boxes by product, and only one of them is a death claim. Life insurance claims: P.O. Box 8076, McKinney, TX 75070-8076, fax (972) 569-3709, or online at eclaims.unitedamerican.com. Medicare Supplement and life disability/waiver-of-premium claims: P.O. Box 8080, McKinney, TX 75070-8080, fax (972) 569-3709. Cancer claims: P.O. Box 8080, McKinney, TX 75070-8080, fax (214) 544-5336, email pbcancerunitfax@globe.life. Sending a life claim to the health claims box is the most common way these claims stall. Beneficiary designations on life insurance override instructions in a will and pass outside probate. A Medicare Supplement or supplemental health policy is not an estate asset and has no death benefit - the only estate consequences are cancelling the coverage and collecting any refund of premium paid past the date of death, which is payable to the estate.
Prepare your letter of instruction to United American
United American provides its own letter-of-instruction form. Answer a few questions and we complete that official form for you to print and sign.
Build your letter of instructionProcessing timelines at United American: Claims are typically processed after receipt of complete documentation. Delays may occur if documentation is incomplete or if the death occurs within the contestability period (first two years of the policy). Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by United American includes Completed Proof of Death Claimant Statement form, Certified copy of the death certificate, and Obituary, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
No. A Medicare Supplement policy pays medical bills that Medicare leaves behind; it carries no death benefit and terminates when the insured dies. There is nothing for a beneficiary to claim and nothing to name a beneficiary on. The survivor tasks are narrower: call Customer Care at 1-800-331-2512 to report the death and cancel the policy so the premium draft stops, and ask about premium already paid for coverage after the date of death. United American does not publish a refund schedule for unearned premium, so any refund is handled through Customer Care - and if a refund check is issued, it belongs to the estate, not to a named beneficiary. Medicare Supplement claims for care given before the death usually reach United American electronically from Medicare, so the survivor rarely has to file them.
Only the whole life policies. Final expense whole life and juvenile whole life have a death benefit, so they can name a trust as beneficiary and can be assigned to an Irrevocable Life Insurance Trust (ILIT) as owner. Everything else United American sells - Medicare Supplement Plans A through N, cancer, critical illness, accident, and group retiree health coverage - pays no death benefit, so a trust cannot own it, be named on it, or receive anything from it. If a United American policy shows up in an estate inventory, check the plan name before assuming it is life insurance; most of the company in-force book is Medicare Supplement.
United American routes claims to different P.O. boxes by product and only one of them handles death claims. Life insurance claims go to P.O. Box 8076, McKinney, TX 75070-8076, fax (972) 569-3709, or can be filed online at eclaims.unitedamerican.com. Medicare Supplement and life disability / waiver-of-premium claims go to P.O. Box 8080, McKinney, TX 75070-8080. Cancer claims also go to P.O. Box 8080 but use fax (214) 544-5336 or email pbcancerunitfax@globe.life. Sending a life insurance death claim to the health claims box is the most common way one of these claims stalls. Submit the Proof of Death Claimant Statement with a certified death certificate, the obituary, and beneficiary contact information; add police or coroner reports if the death involved an accident or homicide.
Either reaches the same place. United American is a subsidiary of Globe Life Inc. (NYSE: GL), and its claim intake runs through the Globe Life claims site at home.globelifeinsurance.com/claims/united-american-insurance-company, while the policy service line stays 1-800-331-2512 (Monday-Friday, 7:30 a.m. - 5:00 p.m. CT). Claims are paid and administered out of the McKinney, Texas home office under the United American name, so a death certificate and claim form addressed to United American at P.O. Box 8076 is correct even though the online portal carries Globe Life branding. Do not send the claim to another Globe Life subsidiary - a policy issued by another Globe Life company such as Globe Life And Accident Insurance Company or Family Heritage Life is a separate insurer with a separate claim address.
United American's Life Claims can be reached by phone at 1-800-331-2512 and fax at (972) 569-3709 for questions throughout the claims process.
Multiple United American policies may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Life Claims to confirm what applies.
Sources
- www2.unitedamerican.com
- home.globelifeinsurance.com
- eclaims.unitedamerican.com
- myaccount.unitedamerican.com
Data sourced from United American primary sources (14 pages reviewed). How we research.
Customer Care
United American Insurance Company, 7677 Henneman Way, McKinney, TX 75070
Customer Care
United American Insurance Company, 7677 Henneman Way, McKinney, TX 75070
Life Claims
United American Insurance Company, Attn: Life Claims, P.O. Box 8076, McKinney, TX 75070-8076
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