Truist Bank offers a wide range of insurance options, from health and life to property and casualty. But when you need help with your insurance policies, who should you contact? This comprehensive guide will walk through everything you need to know to reach the right person for any insurance need at Truist Bank.
Overview of Truist Bank Insurance Products
Truist Bank provides the following main insurance offerings:
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Health Insurance – Individual and group health plans, Medicare supplements, and specialty products like dental and vision. Offered through Truist Life Insurance Services
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Life Insurance – Term life, whole life, and universal life policies. Provided by Truist Life Insurance Services.
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Disability Insurance – Protects income in case of injury or illness. Offered through Truist Life Insurance Services.
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Long Term Care Insurance – Covers care costs if you become unable to care for yourself. From Truist Life Insurance Services.
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Annuities – Retirement income products like fixed, variable, and indexed annuities Offered through Truist Investment Services
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Property & Casualty – Covers homes, autos, valuables, liability claims, and more. Offered through McGriff Insurance Services.
Contact Information for Truist Insurance Help
To get assistance with Truist Bank insurance products, use the contact information below:
By Phone:
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Health Insurance – 800-474-1471
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Life Insurance – 800-474-1471
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Annuities – 844-4TRUIST (844-487-8478)
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Property & Casualty Sales – 800-422-8448
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Property & Casualty Service – 800-228-1820
By Email:
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Health Insurance – Email the health insurance team
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Life Insurance – Email the life insurance team
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Annuities – Contact your Truist advisor
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Property & Casualty Sales – Email the property & casualty insurance team
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Property & Casualty Service – Contact 800-228-1820
By Mail:
Truist Insurance Services
214 N Tryon St, Charlotte, NC 28202
Getting Help with Health Insurance
For help with Truist health insurance plans like medical, dental, and vision:
Phone: 800-474-1471
Email: Email the health insurance team
You can contact them for issues like:
- Comparing plan options
- Enrolling in coverage
- Making changes to your policy
- Checking claim status
- Getting ID cards
Truist Life Insurance Services can help with individual plans or group health insurance for small businesses. Multilingual agents are available.
Contacting Life Insurance Support
To get assistance with Truist life insurance policies:
Phone: 800-474-1471
Email: Email the life insurance team
The life insurance team can help with:
- Applying for coverage
- Making policy changes
- Checking beneficiary information
- Updating contact details
- Canceling a policy
- Filing a claim
They offer support for various types of life insurance, including term, whole, and universal life.
Getting Annuity Support
For help with annuity products like fixed, variable, and indexed annuities:
Phone: 844-4TRUIST (844-487-8478)
Email: Contact your Truist financial advisor
The annuities team can assist with:
- Selecting the right annuity
- Opening an account
- Making withdrawals
- Changing annuity allocations
- Updating beneficiary designations
- Answering questions about payout options
Contacting Property & Casualty Insurance
For property and casualty insurance help, choose:
Sales Phone: 800-422-8448
Service Phone: 800-228-1820
Email:
- Sales – Email property & casualty insurance team
- Service – Call 800-228-1820
The property and casualty experts offer assistance with:
- Getting quotes
- Purchasing new policies
- Making policy changes
- Checking billing details
- Filing claims
- Handling disputes
Coverage includes homeowners, renters, auto, liability, identity theft, and more.
Get the Truist Insurance Help You Need
No matter what Truist Bank insurance product you have, the right support is available. Use the phone numbers, emails, and mailing address provided to get quick assistance with any insurance question or issue.
Truist insurance experts are ready to help you understand your options, set up policies, make changes, file claims, and more. Just reach out for friendly, knowledgeable insurance guidance.
Getting started with escrow
When you pay your mortgage each month, we put some of the money into an escrow account so that we can pay your insurance and tax bills. However, Truist can’t control how much you will be charged. These amounts may vary annually—making it difficult to perfectly predict escrow.
When your tax and insurance bills go up, it can cause a shortage in your escrow account. If your taxes and insurance go down, on the other hand, you may have extra money, which could lead to a credit or a refund.
At least once a year, we check your escrow account to make sure that the monthly payments are enough to cover your tax and insurance bills when they’re due. Following our review, we issue an escrow account disclosure statement.
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Feeling informed and in control of your finances is key to staying confident. That’s why we’d like to explain the details of your escrow account.
We put a certain amount of your monthly mortgage payment into an escrow account to pay your insurance and tax bills. And when those bills are due, that’s what we use to pay them.
We don’t decide how much tax and insurance you pay each year, though. That’s up to your local tax office and insurance company. So those amounts may vary from year to year.
We check your escrow account at least once a year to make sure we’re getting enough money in it to pay your insurance and tax bills.
Sometimes, these bills will be higher than the current balance in your escrow account. This causes a “shortage. For your peace of mind, we pay the full amount due and then charge you the difference.
If your taxes or insurance premium go down, you may end up with a surplus. In that case, you’ll receive a credit or a refund.
You can find all the details about your escrow account in your annual escrow statement.
First, we review the amount of your shortage or surplus. In this sample statement, there’s a shortage.
Next, we use your most recent tax and insurance bills to figure out how much you should put into escrow every month.
Lastly, you’ll see the effective date and amount of your new total monthly mortgage payment.
In this example, a shortage is one reason for a higher monthly payment. The amount you put into escrow each month can also change based on your current tax and insurance bills. The shortfall payment will be spread out over the next 12 months.
There’s also the option to pay a shortage upfront. Check out the FAQ page attached to your statement if you’re interested in that option.
We’ll also email you an escrow snapshot after preparing your escrow statement—we hope you find it helpful.
Understanding what’s changed and why are the first steps to helping you stay in control. We’re here for you.
Want more information about your escrow account? Visit Truist.com/myhomeloan or call us at 800-634-7928.
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You are responsible for paying all real estate taxes and insurance bills, and showing Truist that you did. Keep your receipts, include your 10-digit loan number, and send them to:
Mail: Tax Department, Truist – 0011883 P. O. Box 92370 Rochester, NY 14692 Fax: 817-826-0436 Attn: Tax Department, Truist – 0011883 Upload to: uploadmytaxdoc. com.
Truist Bank ISAOA/ATIMA P.O. Box 7952 Springfield, OH 45501
What are my homeowners insurance responsibilities?
If you lose your home in a fire or other disaster covered by the standard extended coverage endorsement, your homeowners insurance will either replace it or fix the damage, up to the amount of coverage you bought.
All mortgage lenders require homeowners to have homeowners insurance. When you own a home, you must always have enough homeowners insurance coverage in line with your deed of trust or mortgage. Component ID : “accordionGridLayout-1923474687” Model : “faq” Position : “left”.
Flood insurance is required in areas where the dwelling is located in a Special Hazard Flood Area. The flood insurance policy should put the property in the same zone as its rating, which is based on a Special Flood Hazard Determination.
Flood insurance is highly recommended for all clients, regardless of flood zone, to fully protect their interest. Please contact your insurance agent if you have questions regarding requirements for flood insurance. The flood insurance policy should also meet the rules for a private flood insurance policy set by the Federal Emergency Management Agency (FEMA) or the National Flood Insurance Program (NFIP).
For condominium units, the homeowners association typically provides the minimum hazard and flood insurance that we require. If you think you might need more insurance for your own safety, you should talk to an insurance agent. Additionally, remember that if the association’s policy isn’t enough, you will need to get extra coverage.
Earthquake insurance is usually carried on a voluntary basis.
Windstorm coverage is typically covered in the extended coverage endorsement of the standard homeowners insurance policy. You will need to get a separate policy that covers windstorms in addition to your homeowners insurance if your current policy doesn’t cover them.
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FAQ
What is the payment address for Truist?
What is the mortgagee clause on Truist insurance?
Does Truist have FDIC insurance?
How do I contact Truist bank about an insurance policy?
If you need to contact Truist Bank regarding an insurance policy, it’s important to use the proper address. Here are the recommended options: Contact your Truist Insurance representative directly for assistance. You can also call the main Truist contact number at 844-4TRUIST (844-487-8478) and specify you need help with an insurance policy.
How do I contact Truist bank?
Contact your Truist Insurance representative directly for assistance. You can also call the main Truist contact number at 844-4TRUIST (844-487-8478) and specify you need help with an insurance policy. Here are some other important Truist Bank addresses that may be useful: Truist Bank Headquarters Truist Bank Main Office Mortgage Loan Payoffs:
Does Truist bank offer insurance?
Truist Bank provides insurance services through McGriff and Crump subsidiaries. Use the McGriff or Crump addresses for home, auto, life, or annuity policies. For business insurance, contact your Truist representative directly. Truist’s customer service team can also assist with finding the right address.
How do I access my Truist insurance policy details?
You can access your policy details and provide updated policy details by visiting www.mycoverageinfo.com/truist. If you need help paying for your non-escrowed insurance policy, please call us at 866-515-2139 to discuss how we can pay your premium and establish an escrow account.