Family Heritage Life Insurance Company of America is a subsidiary of Globe Life Inc., one of the largest providers of life and supplemental health insurance
Family Heritage offers a variety of insurance products that can help protect you and your family from unexpected illnesses
In this article, we will answer some common questions about Family Heritage and its products.
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Is Family Heritage Life Insurance?
Yes, Family Heritage is a life insurance company that offers both term and whole-life policies.
Term life insurance provides coverage for a specified period of time, usually 10, 20, or 30 years.
Whole life insurance provides coverage for your entire life, as long as you pay the premiums.
Both types of policies have a death benefit that can help your beneficiaries pay for funeral expenses, debts, or other needs.
Additionally, Family Heritage’s whole-life policies have a cash value component that can grow over time
What Does Family Heritage Cover?
Family Heritage covers more than just life insurance.
It also offers supplemental health insurance products that can help you pay for medical expenses
These products include:
- Cancer insurance:
This product pays a lump-sum or ongoing benefit if you are diagnosed with cancer.
It can help you cover the costs of treatment, transportation, lodging, childcare, and loss of income.
Family Heritage’s cancer policies also have a return of premium benefit, which means you can get your money back less any claims if you keep your policy for a certain period of time.
- Accident insurance:
This product pays a benefit if you are injured in an accident, such as a car crash, a fall, or a sports injury.
It can help you cover the costs of emergency care, hospitalization, surgery, rehabilitation, and more.
Family Heritage’s accident policies also have a wellness benefit, which means you can get paid for preventive care
- Intensive care insurance:
This product pays a benefit if you are admitted to an intensive care unit (ICU) due to a critical illness or injury.
It can help you cover the costs of ICU charges, which can be very expensive and may not be fully covered by your primary health insurance.
Family Heritage’s intensive care policies also have a hospital confinement benefit
- Heart attack and stroke insurance:
This product pays a benefit if you suffer a heart attack or a stroke, which are among the leading causes of death and disability
It can help you cover the costs of treatment, recovery, and lifestyle changes.
Family Heritage’s heart attack and stroke policies also have a heart screening benefit, which means you can get paid for tests
What Type of Insurance is American Heritage?
American Heritage is not a type of insurance, but a name of another insurance company that is not affiliated with Family Heritage.
It is a subsidiary of The Allstate Corporation, one of the largest personal lines insurers in the United States
American Heritage offers life, disability, and supplemental health insurance products, such as cancer, accident, and hospital indemnity insurance
They are separate and independent companies, and they have different products, prices, and customer service.
How Does Family Heritage Work?
Family Heritage works by providing insurance products that can help you and your family cope with the financial consequences of unexpected health events.
Its products are available through local, state-licensed insurance professionals who can help you choose the best coverage for your needs and budget.
Family Heritage’s products are designed to be affordable, flexible, and reliable.
You can customize your coverage by choosing the benefit amount, the benefit period, and the riders that suit your situation.
You can also enjoy the following features of Family Heritage’s products:
- Guaranteed renewable:
This means you can keep your policy as long as you pay the premiums, and the company cannot cancel your policy or increase your rates due to your age or health condition.
- Portable:
One can keep the policy even if you change your job, your location, or your primary health insurance1.
- Simple claims process:
This means you can file your claims easily and quickly, and receive your benefits directly, without any deductibles, copays, or waiting periods.
Family Heritage Life Insurance Company of America Phone Number
If you want to contact Family Heritage, you can call their toll-free phone number at 1-800-433-3405.
You can also visit their website at www.globelifefamilyheritage.com to find an agent near you, make a payment, or access your policy information.
You can also write to them at their mailing address:
Family Heritage Life Insurance Company of America PO Box 470608 Cleveland, OH 44147-0608
Family Heritage Company
It is another name for Family Heritage Life Insurance Company of America, which is a subsidiary of Globe Life Inc.
Family Heritage Company was founded in 1989 by Howard Lewis, who had a vision to protect American families by providing insurance products
Since then, Family Heritage Company has grown to serve over 200,000 American families and has paid over $1 billion in claims
It is also committed to giving back to the communities it serves, by supporting various charitable causes
Family Heritage Insurance Pyramid Scheme
It is not a pyramid scheme, but a legitimate insurance company that offers life and supplemental health insurance products.
A pyramid scheme is a fraudulent business model that involves recruiting new members to pay fees to existing members,
Pyramid schemes are illegal and unsustainable, and they usually collapse when the recruitment of new members slows down or stops.
Family Heritage Insurance, on the other hand, provides real and valuable products and services to its customers
It is regulated by the state insurance departments and is rated A+ (Superior) by A.M.
Family Heritage Accident Insurance
It is one of the supplemental health insurance products offered by Family Heritage Life Insurance Company of America.
It is designed to help you pay for the medical and non-medical expenses that may result from an accidental injury
Family Heritage Accident Insurance pays a benefit based on the type and severity of the injury, regardless of any other insurance
You can use the benefit for any purpose, such as paying for deductibles, copays, prescriptions, or household bills.
Family Heritage Accident Insurance also has a wellness benefit, which pays you for preventive care
Family Heritage Preauth Dr. Phone Number
Dr. Phone Number is the phone number you need to call if you want to preauthorize a medical service that is covered by your Family Heritage policy.
Preauthorization is a process that determines whether a service or procedure is medically necessary and eligible for coverage.
Preauthorization can help you avoid unexpected denials or delays in your claims.
To preauthorize a service or procedure, you need to call the Family Heritage Preauth Dr. Phone Number at 1-800-433-3405, and provide the following information:
- Your name, policy number, and date of birth
- name, address, and phone number of the provider who will perform the service or procedure
- The name, description, and code of the service or procedure
- The date and location of the service or procedure
- The reason for the service or procedure
You will receive a confirmation number and a letter that indicates whether the service or procedure is preauthorized or not.
You need to keep the confirmation number and the letter for your records and present them to your provider before the service
If you have any questions or concerns about preauthorization, you can call the Family Heritage Preauth Dr. Phone Number at 1-800-433-3405,
Family Heritage Life Insurance Company of America Claims
Family Heritage Life Insurance Company of America Claims is the department that handles the claims filed by the customers
A claim is a request for payment of a benefit that is covered by your Family Heritage policy.
To file a claim, you need to follow these steps:
- Contact your Family Heritage agent or call the Family Heritage Customer Service at 1-800-433-3405, option 2, to request a claim form.
- Fill out the claim form completely and accurately, and sign and date it.
- Attach any supporting documents that are required for your claim, such as medical records, bills, receipts, or death certificates
- .Mail or fax the claim form and the supporting documents to the Family Heritage Claims Department at:
Family Heritage Life Insurance Company of America Claims Department PO Box 470608 Cleveland, OH 44147-0608
Family Heritage Insurance Company
It is another name for Family Heritage Life Insurance Company of America, which is a subsidiary of Globe Life Inc.
Family Heritage Insurance Company was founded in 1989 by Howard Lewis, who had a vision to protect American families by providing insurance products
It has grown to serve over 200,000 American families and has paid over $1 billion in claims.
Family Heritage Insurance Company is also committed to giving back to the communities it serves, by supporting various charitable causes
Family Heritage Life Insurance Company of America Address
The address of Family Heritage Life Insurance Company of America is:
Family Heritage Life Insurance Company of America 6001 East Royalton Road Suite 200 Cleveland, OH 44147
You can also contact Family Heritage by phone, fax, or email:
Phone: 1-800-433-3405 Fax: 1-800-833-9776 Email: customerservice@familyheritagelife.com
Conclusion
Family Heritage Life Insurance Company of America is a reputable and reliable insurance company that offers life and health insurance products
Family Heritage’s products are affordable, flexible, and guaranteed renewable, and they pay benefits directly to you
It also has a simple and fast claims process and friendly and helpful customer service.
If you are interested in learning more about Family Heritage and its products, you can visit their website at [www.globelifefamilyheritage.com]
Family Heritage is more than just an insurance company, it is a family that cares about you and your well-being.
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