What will happen if my premium payment is late?

You have a 30 day grace period to make a premium payment before your policy lapses.

How do I change the owner on my policy?

Fill out the Owner Change Form which can be downloaded from the FORMS page located under the POLICYHOLDER tab or download the file directly: Owner_Change_Form.pdf

If it will be a non-natural owner like a funeral home or trust you will need to include a corporate resolution or the trust documents.

Can I take a loan against my policy?

Please call us for available loan amount.

How do I make payments on my policy loan?

We can set up monthly automatic ACH loan payments, call us for the form. 

Credit/ Debit cards called in.

Check or money orders mailed in. Please make sure to put LOAN PAYMENT on any mailed payments.

What happens if I can’t make my premium payments?

Depending on the policy you have the following options

1. Have an extended term amount for a certain period of time.
2. A loan to pay premiums.
3. Take a reduced death benefit to have a paid up amount.

Please call us for your specific policy options.

What is final expense insurance?

A lower amount of insurance coverage designed to pay for final expenses like funeral or burial costs. It is not associated with a specific funeral home or mortuary.

What will my Beneficiaries need to do when I pass away?

Call us with the policy number or as much information on the insured as possible.