Life insurance claim instructions

Step 1 – Initiate the Claim
Call us at 1-866-440-4047 (Press 2), Monday – Friday, 8 AM to 6:30 PM CST, or Saturday, 8 AM to 12 PM CST.

You will need to provide
    • The insured's full name and date of birth
    • Their policy number
    • The last four digits of their Social Security Number (SSN) 

If you don't have a policy number, don't worry, we can look up the policy using the other pieces of information listed.
Step 2 – Submit Claim Paperwork
After initiating the claim, we will mail a claim packet to all beneficiaries – this can take up to 7-10 business days to receive. The forms that are in the packet should be filled out and mailed back to us as quickly as possible. If you’d prefer to fax the forms to us, that’s fine too. Forms can be faxed to 1-402-479-8924; please note that we may require a certified death certificate to be mailed in some instances. If you wish to download and print forms yourself, you may access those here (select Claim link in top right corner).
Helpful tip: When ordering a certified death certificate, you may wish to proactively order a few extra copies to have on hand in case you need them for other aspects of settling the insured's estate or filing additional insurance claims.
Step 3 – Claim Review
We will initiate our claim review and follow up if we require any additional information. You will receive claim updates via letters in the mail.
Step 4 – Claim Decision
Once we've received all claims requirements and completed our review, you will be notified of our decision by mail. You may choose to have benefits sent to you via paper check or automatic deposit.


Need help with or have questions about life insurance claims?

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8 am to 6:30 pm CST
Mail (regular):
P.O. Box 83303
Lincoln, NE 68501-3303
8 am to 12 pm CST
Overnight mail:  
777 Research Dr, Lincoln, NE 68521

Health insurance claims

Medicare Supplement claims are automatically sent to Lumico electronically from Medicare once they have completed their review and processing of the claim(s). For more information, please call us at 855-774-4491