Life Disability/Waiver of Premium Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Waiver of Premium program where you could have some, or all, of your life insurance premiums waived with the benefit amount of your coverage staying the same.

The instructions for submitting a Waiver of Premium claim are as follows:

Initial Waiver of Premium Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for premium waiver, please print and fill out the entire claim form and send it in along with your disability declaration letter from the Social Security office to the following address:

Click here for the printable claim form.

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: if you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Waiver of Premium Continuance Claim

If you are filing a request for the continuance of Waiver of Premium benefits, you must complete Page 2 of the claim form and have your Physician complete Page 3. Please submit the completed documentation to the following address:

Click here for the printable claim form.

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Waiver of Premium benefits.

Please note: if you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.