American Heritage Life Insurance Company Jacksonville(FL): Phone Number, Address, Reviews, Claims, Website, Benefits, Rating

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American Heritage Life Insurance Company Jacksonville(FL): Phone Number, Address, Reviews, Claims, Website, Benefits, Rating (Source: Allstates.com)

American Heritage Life Insurance Company is a subsidiary of Allstate, one of the largest personal lines insurers in the US.

The company offers group life insurance products through Allstate Benefits, which are available to employees of organizations that contract with them.

In this article, we will review the features, benefits, and drawbacks of American Heritage Life Insurance products and services.

American Heritage Life Insurance Phone Number

If you need to contact American Heritage Life Insurance Company, you can call their toll-free number at (800) 521-3535.

You can also visit their website at allstatebenefits.com to find other contact options, such as email, fax, or mail.

American Heritage Life Insurance address

Allstate Benefits
1776 American Heritage Life Dr.
Jacksonville, FL 32224

American Heritage Life Insurance Company Reviews

American Heritage Life Insurance Company has received mixed reviews from customers and rating agencies.

On the positive side, the company has a superior financial strength rating of A+ from AM Best, which indicates a strong ability to pay claims.

The company also offers portable and convertible policies, which means you can keep your coverage if you leave your job or switch from term to permanent coverage without having to reapply.

Additionally, the company offers a wide range of policy types, including term, universal, and whole life insurance.

On the negative side, the company has received a high number of complaints from consumers to the National Association of Insurance Commissioners (NAIC).

The average complaint index for American Heritage over the last three years is 1.37, which means the company received more complaints than expected based on its size.

Some of the common complaints include delays in processing claims, denial of claims, and poor customer service.

American Heritage Life Insurance Company Claims

If you have a policy with American Heritage Life Insurance Company and need to file a claim, you can do so online through the Allstate Benefits website.

You will need to register for an account or log in with your existing credentials.

To process your claim, please provide relevant details regarding your policy, including policy number, date of loss, and the cause of death or disability.

You may also need to upload some supporting documents, such as a death certificate, medical records, or proof of income.

American Heritage Life Insurance Website

The official website of American Heritage Life Insurance Company is allstatebenefits.com.

On this website, you can find information about the company’s products and services, such as plan details, rates, benefits, and exclusions.

You can also access your account, manage your policy, pay your premiums, file a claim, or contact customer support.

Allstate Benefits Login

To access your account with Allstate Benefits, you need to visit allstatebenefits.com and click on the “My Benefits” tab at the top right corner of the page.

You will be directed to a login page where you can enter your username and password.

If you are a new user, you can register for an account by clicking on the “Register Now” link below the login box.

You will need to provide some personal information, such as your name, email address, date of birth, and social security number.

You will also need to create a username and password and answer some security questions.

Allstate Benefits Phone Number

If you prefer to speak to a representative from Allstate Benefits over the phone, you can call their customer service number at (800) 521-3535.

The customer service hours are Monday through Friday from 8:00 a.m. to 8:00 p.m. Eastern Time.

You can also use their automated phone system to check your claim status or update your information.

Allstate Employee Benefits

As an employee of an organization that offers Allstate Benefits, you may be eligible for various types of group life insurance products from American Heritage Life Insurance Company.

These include:

  • Term life insurance: This is a type of temporary coverage that provides a lump-sum death benefit to your beneficiaries if you die within a specified period. Term life insurance is usually cheaper than permanent coverage and may be renewable or convertible.
  • Universal life insurance: This is a type of permanent coverage that provides a death benefit as well as a cash value component that grows over time. Universal life insurance allows you to adjust your premium payments and death benefit amount according to your needs and preferences.
  • Whole life insurance: This is another type of permanent coverage that provides a fixed death benefit and a guaranteed cash value that accumulates at a fixed rate. Whole life insurance has higher premiums than term or universal life insurance but offers more stability and certainty.

Depending on your plan, you may also have access to other benefits, such as accidental death and dismemberment (AD&D) coverage, disability income protection, critical illness coverage, or hospital indemnity coverage.

Allstate Health Insurance Provider Portal

If you are a health care provider who treats patients with Allstate Benefits, you can use the Allstate Health Insurance Provider Portal to submit claims, check claim status, verify eligibility, view benefits, and more.

You will need to register for an account or log in with your existing credentials.

You will also need to have the patient’s policy number and date of birth to access their information.

What is the rating of American Heritage Life Insurance Company?

One of the ways to measure the quality and reliability of an insurance company is to look at its rating from independent rating agencies, such as AM Best, Standard & Poor’s, Moody’s, or Fitch.

These agencies evaluate the financial strength, stability, and performance of insurance companies based on various criteria, such as assets, liabilities, earnings, capitalization, liquidity, and risk management.

American Heritage Life Insurance Company has received an A+ (Superior) rating from AM Best, which is the second-highest rating out of 16 possible ratings.

This rating indicates that the company has a superior ability to meet its ongoing obligations to policyholders.

However, this rating is not a guarantee of future performance or solvency and may change over time.

Are American Heritage and Allstate the same?

American Heritage Life Insurance Company is not the same as Allstate, but it is a subsidiary of Allstate.

This means that American Heritage is owned by Allstate and operates under its brand name.

However, American Heritage has its own management team, products, services, and policies.

American Heritage specializes in group life insurance products that are offered through Allstate Benefits.

Who bought American Heritage?

American Heritage Life Insurance Company was founded in 1956 in Jacksonville, Florida.

In 1999, the company was acquired by Allstate for $1.1 billion in cash and stock.

Since then, American Heritage has been operating as a subsidiary of Allstate and offering group life insurance products through Allstate Benefits.

Who is the biggest life insurance company?

There are many ways to measure the size of a life insurance company, such as market share, premium income, assets under management, or number of policies in force.

According to the latest data from the NAIC, the biggest life insurance company in the US by market share in 2020 was MetLife Inc., with a 9.8% share of the total life insurance market.

The second-biggest was Northwestern Mutual Life Insurance Co., with a 6.7% share, followed by New York Life Insurance Group, with a 6.3% share.

Conclusion

American Heritage Life Insurance Company is a subsidiary of Allstate that offers group life insurance products through Allstate Benefits.

The company has a superior financial strength rating from AM Best but also a high number of consumer complaints.

The company offers various types of policies, such as term, universal, and whole life insurance, as well as other benefits, such as AD&D, disability income protection, critical illness coverage, or hospital indemnity coverage.

This company’s products and services are only available to employees of organizations that contract with them.

If you are interested in getting a policy from American Heritage Life Insurance Company, you can contact them by phone or visit their website for more information.

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