Frequently Asked Questions

Answers to your questions!

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.

No claim form is necessary. Simply send us the bill, receipt, or the report/results you received for the screening or test that contains the patient's full name, a description of the service and the date of service. Include the Policyowner's/Certificate holder's full name and policy/certificate number. For covered children, please also include their date of birth.

Please do not send any Explanation of Benefits (EOB) forms from other insurance companies as we are not able to use these to process claims.

Please mail or fax the completed documentation to the following address:

  • Family Heritage Life Insurance Company of America
  • Attn: Claims Department
  • P.O. Box 470608
  • Cleveland, OH 44147

  • Fax: (440) 922-5152

If you have questions or need assistance with filing your claim, please contact our Claims Line at (440) 922-5151.

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.

Banking information changes can be made by contacting our Customer Service department at (440) 922-5222 or by mailing your request to:

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

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

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.

Please contact our Customer Service department at (440) 922-5222 and they will locate an agent closest to you.

Please contact our Customer Service department at (440) 922-5222.



Interested in an FHL Career?

 

Welcome, we encourage you to check out what some of our Sales Professionals and Managers have to say about a career with FHL. You may also wonder what an insurance sales career would be like. You can find answers to those questions on this site as well as connect to Family Heritage Life’s Official Social Media so you can see what’s going on with us right now!


What We Offer

Family Heritage Life Insurance Company of America (FHL) has been in the insurance industry since 1989. FHL helps protect hardworking, middle-income Americans with life and supplemental health insurance coverage. Family Heritage Life also provides a potentially lucrative career opportunity for those who aspire to help others, all while earning a competitive income.

Want to earn what you’re worth? Want to earn based on your performance? Then you’ve come to the right place. Family Heritage Life has career opportunities for the entrepreneur-minded professional. You will determine how fast you advance and how much you earn at FHL.

Family Heritage Life makes a difference in the world by helping protect Americans financially. We also believe in giving back to the communities in which we serve. Our people make FHL a great company, and we’re always looking for community-focused individuals to join our team.


Visit FHL Careers to learn more

Do you have a question?

(440) 922-5222 (8am-5pm, EST, Mon-Fri)




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