If you have an individual or group life insurance policy from American Heritage Life Insurance Company (AHL), keeping up with premium payments is essential to maintaining coverage. Missed or late payments can lead to policy lapse or termination.
This guide will explain everything you need to know about making payments for American Heritage life insurance, including:
Follow the tips below to keep your AHL life insurance active and avoid any coverage disruptions due to non-payment of premiums.
American Heritage Life Insurance, part of the Allstate family, offers policyholders multiple ways to pay their premiums. Accepted payment methods include:
Choose the option that best suits your needs and payment schedule. American Heritage Life offers flexible ways to submit premiums securely and efficiently each month.
Signing up for automated monthly payments through Allstate can ensure you never miss an American Heritage Life Insurance payment. With autopay, your premium is withdrawn on time every month with no hassle.
Follow these instructions to establish recurring payments:
By phone
Online
Mobile app
Once established, automatic payments will be withdrawn on your due date going forward to cover your AHL premium. You can cancel or change the autopay option anytime.
If you happen to miss an American Heritage Life Insurance payment, take action right away to maintain coverage. Here are important steps:
Pay the amount due immediately
To minimize any lapse in coverage, submit payment as soon as possible for the missed premium. Pay online, by phone, or overnight a check.
Review billing notices
Carefully check any notices from AHL about the missed payment. They detail next steps to bring your policy current and avoid cancellation.
Call customer service
Discuss the non-payment with an Allstate agent to understand impacts to your policy. Ask about any grace period or extension options.
Avoid recurring late payments
If you’re struggling to pay premiums, talk to AHL about ways to lower costs. Consider adjusting your death benefit or switching to an annual payment plan.
Discuss consequences of lapse
If you can’t pay the overdue premium, ask your agent what will happen. Your coverage could lapse but may allow reinstatement within a certain window. Know those details.
With communication and quick action, many non-payments can be remedied to maintain active American Heritage insurance coverage.
If you experience issues paying your AHL premium, here are some troubleshooting tips:
Recent rate increase?
Verify that any recent rate hike was correctly applied so you are paying the proper premium amount now due.
Bank account changes?
If your account on file has changed, update your payment info with AHL so withdrawals go through seamlessly each month.
Card expired?
Check that your credit card on file has not expired recently and provide updated details to keep autopay running smoothly.
Autopay decline?
If a recent automated payment failed, resolve the problem and submit a new payment to cover the missed premium.
Paper check delays?
Allow 5-7 days for paper checks to reach AHL’s payment center to avoid processing delays. Consider electronic payments to expedite matters.
Coverage changes?
Confirm your billing properly reflects any recent adjustments you made to your American Heritage policy that may impact monthly premiums.
Agent guidance
Discuss any payment difficulties with your AHL insurance agent for personalized help and solutions. Their job is to keep your policy active.
Resolving billing problems quickly ensures continuous, worry-free coverage under your American Heritage Life policy.
Go to allstate.com/myaccount and click “Register Now”. Provide your name, policy number, SSN and other details to create an online profile and access billing and payment options.
Most individual life policies have a monthly premium due date, often aligned with the day of the month your policy first took effect. Check your billing statement for the exact due date.
AHL provides a 31-day grace period after a missed premium. Your coverage remains active during this time, but you must pay the amount owed before the grace period expires to avoid policy lapse.
AHL will not charge late fees for overdue premiums. However, after the 31-day grace period your coverage could terminate if payment is still outstanding.
If facing financial hardship, you can call AHL at (800) 521-3535 to formally request a payment extension before the grace period ends. Approval depends on your payment history.
Yes, American Heritage allows reinstatement on terminated life policies within 6 months by paying all past-due premiums with interest. Approval is subject to evidence of insurability.
Login online at allstate.com/myaccount and select your AHL policy. Under Billing & Payments you can view and edit your current payment method. Or call (800) 521-3535 for help.
If premiums remain unpaid after the 31-day grace period, your AHL coverage will be terminated on the due date of the first unpaid premium.
Keeping up with payments is crucial to maintaining your American Heritage life insurance protections for your loved ones. If you need any assistance making premium payments, resolving billing issues, or avoiding policy lapse, contact our agency.
Our licensed agents have experience working with American Heritage and Allstate. We make it easy to manage your AHL life insurance with premium financing options, payment reminders, and expert guidance.
Don’t risk losing valuable coverage – let us help you address any payment problems with your American Heritage Life policy. Just request a free consultation to get started.
Is American Heritage and Allstate the same?
American Heritage life insurance is a subsidiary of Allstate and offers employee benefits through Allstate Benefits. Since the company does not offer individual life insurance, your employer will need to contract with American Heritage through Allstate if you want a policy.
How do I pay my Allstate bill without login?
You have the following options available to you: Call our automated pay-by-phone system anytime at 1-800-901-1732.
How do I access my Allstate 401k?
To access your Allstate 401(k) plan online, visit the Alight website and enter your username and password, or use the forgot login feature to reset your credentials . If you don’t have login credentials, try registering as a new user.
How do I change my payment method on Allstate?
You can change your payment method with Allstate by logging into your account online and navigating to the payments section . There, you can edit your payment information, as well as make a payment or adjust scheduled payments.