Filing a Claim at Family Heritage Life

Due to confidentiality, claims cannot be accepted through our website or by email. Claims must be mailed or faxed directly to our Claims Department.

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

No claim form is necessary. Simply send us the bill or receipt you received for the screening or test that contains the patient's full name, a description of the service and the service date. Please do not send any Explanation of Benefits (EOB) forms from other insurance companies. Also include the Policyowner's/Certificate holder's full name and policy/certificate number. You can fax this information to (440) 922-5152 or mail it to:

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

    • Family Heritage Life Insurance Company of America
  • Attn: Claims Department
  • P.O. Box 470608
  • Cleveland, OH 44147
  • If you have lost or cannot locate the first occurrence claim form, 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/Certificate holder'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.

    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.

    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 at:

    • Family Heritage Life Insurance Company of America
  • Attn: Claims Department
  • P.O. Box 470608
  • Cleveland, OH 44147
  • Include in your written request the Policyowner's/Certificate holder'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.