Payments can be made on a monthly, quarterly, semi-annual, or annual frequency. The owner can change the payment frequency by completing the Mode Change section of the Policy Change Request Form. Payments by check can be mailed to our home office at 200 Day Hill Road, Windsor, CT 06095. Payments can be automatically withdrawn from a checking account or applied to a credit card by completing the Premium Payment Authorization Form.

If the payor plans on making a payment within 10 business days of receiving a termination notice, the policy can automatically be reinstated by sending in the past due premiums as billed. If the payor is unable to make the payment within the 10 business days, the insured must complete the Reinstatement Request Form on the back of the termination notice along with submitting all past due premium. The reinstatement application must also be signed by the owner if the insured and owner are different. The reinstatement application will be reviewed by our Underwriting Department.

Termination notices are generated 40 days after the policy due date if a premium has not been applied within the 31 day grace period. If the payor mailed a payment more than 5 business days prior to receiving a termination notice, please contact the Company to verify payment was received.

Reminder notices are generated 14 days after the policy due date if a premium has not been applied. If the payor mailed a payment more than 5 business days prior to receiving a reminder notice, please contact the Company to verify payment was received.

Premium notices are generated 25 days prior to the policy due date and mailed to the payor of the policy. The payor and policy owner are the same unless otherwise instructed. If the policy is past due a notice is not generated for the next billing cycle until the current billing cycle is paid. In addition, please verify with the Company that the payors mailing address is correct.

The beneficiary class allows the owner to assign an order to who will receive the life insurance proceeds upon the death of the insured.

You may call our Customer Service Center to confirm the names of your beneficiary(ies). If immediately available, the information will be provided to you after you answer a few questions proving your identity as the policy owner.

In some cases, we may be required to return your call with the information after our records have been reviewed.

The beneficiary is the party that receives the proceeds from the policy upon the death of the insured. Therefore, the insured can never be the beneficiary.

Yes, but you must submit a complete listing of your beneficiaries that you want to receive the claim proceeds, not just the additions or deletions.

Each change of beneficiary received replaces any previous designations that were made.

Complete the Change of Beneficiary section of a Policy Change Request Form. Assign the beneficiary class and split percentage. All policies must have a Primary beneficiary class listed before a Secondary, and subsequently, a Tertiary class can be added. The total split percentage for each class must equal 100%.

Mail the completed and signed form to our  Customer Service Center. Changes are effective on the date of receipt at our home office.