Customer Service

Please contact your agent or Family Heritage customer service to help answer any additional questions.

For more information about Family Heritage you can contact us by writing to the address below, or by calling or e-mailing a specific department:

Mailing Address

Family Heritage Life Insurance Company of America
6001 East Royalton Road, Suite 200
Cleveland, Ohio 44147

Customer Service

  • Phone: (440) 922-5222
  • Fax: (440) 922-5223

To speak with a customer service representative, please call between 8 a.m.- 5 p.m. EST Monday through Friday. Spanish-speaking representatives are available during normal business hours.

For our Agents

  • Main Agent Line – (440) 922-5252
  • Agency Accounting – Fax: (440) 922-5120
  • Agent Licensing – Fax: (440) 922-5122

Claims

  • Phone: (440) 922-5151
  • Fax: (440) 922-5152

Customer FAQ

QUESTION: What do I need to do to change my bank information?

ANSWER: In order to have the premiums paid from a new bank account, please provide us with the name, address and routing number for the new bank and the account number. The bank’s routing number and your account number can be found at the bottom left corner of your checks.

The above change can be made by contacting our Customer Service department at (440) 922-5222 or by mailing your request to:

Family Heritage Life Insurance
P.O. Box 470608
Attn: Customer Service
Cleveland, OH 44147

QUESTION: Do I need to contact the company in order to decrease my level of coverage or to remove a family member from my coverage, such as when my children no longer qualify for coverage under the policy?

ANSWER: Yes, it is important that you keep us informed of changes in your family status since these changes may affect your premium. To make a change, please send us a letter indicating the changes you are requesting.

The request can be made by faxing your request to (440) 922-5223 or by mailing your request to:

Family Heritage Life Insurance
Attn: Customer Service
P.O. Box 470608
Cleveland, OH 44147

QUESTION: What do I need in order to increase my level of coverage or to add additional family members to my plan?

ANSWER: In order to increase coverage, all persons to be covered will need to pass our underwriting questions. Please contact our Customer Service department at (440) 922-5222 and we will send out the necessary forms to be completed.

QUESTION: How do I contact my agent and or find an agent in my area?

ANSWER: Please contact our Customer Service department and they will locate an agent closest to you.


File A Claim

Screening (Early Detection), Healthy Heart or Wellness Claim:

In order to submit for the Early Detection Benefit, a claim form is not necessary. All you need to submit is a copy of your bill with your name and the procedure listed, as well as the date the procedure was performed.

Be sure to include your policy number or certificate number on any correspondence and send to:

Family Heritage Life Insurance Company of America
Attention: Claims Dept.
P.O. Box 470608
Cleveland, Ohio 44147

Or fax it to: 440-922-5152

***Please note that due to confidentiality, claims cannot be accepted through our website or by e-mail. Claims must be mailed or faxed directly to our Claims Department.

For First Occurrence/Internal Diagnosis Of Cancer:

Complete the claim form that was included with your policy/certificate and send it along with the Pathology report positively diagnosing cancer to the address above.

If you have lost or cannot locate the first occurrence claim form for your state, please call Customer Service at 440 922-5222 or write to the Claims Department at the above address. Include in your written request the Policyowner’s/Certificateholder’s full name, policy/certificate number, a brief explanation of the claim and the address where you would like the first occurrence claim form sent. We will then send you the appropriate first occurrence claim form.

For All Other Claims (Cancer Treatment, Accidental Injury, Heart, Intensive Care Confinement, Hospital Indemnity):

Please call Customer Service at 440 922-5222 to request a claim form. Or, write to the Claims Department.

Include in your written request the Policyowner’s/Certificateholder’s full name, policy/certificate number, a brief explanation of the claim and the address where you would like the first occurrence claim form sent. We will then send you the appropriate claim form.

For A Life Insurance Claim:

Please call the Life Insurance Claims line at 440 922-5160 to request a claim form and receive instructions on how to submit your claim.