Having life insurance provides financial security for your loved ones. But to keep coverage active you must pay your premiums on time. With American Heritage Life Insurance policies there are several options to make payments conveniently.
In this comprehensive guide we’ll explain everything you need to know about making payments for American Heritage life insurance. including
- Accepted payment methods
- Setting up automatic withdrawals
- What to do if you miss a payment
- Troubleshooting payment problems
- FAQs about American Heritage payments
Follow these tips to never miss a payment and avoid lapses in your valuable life insurance protections.
Payment Options for American Heritage Life Insurance
American Heritage Life Insurance part of the Allstate family, offers flexible payment choices to its policyholders
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Paper Check – Mail your payment to the address on your billing statement. Make checks payable to American Heritage Life Insurance Company. Allow 5-7 days for mail delivery.
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Electronic Check – Provide bank account details to withdraw premiums automatically each month. Fast and convenient.
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Credit/Debit Card – Use your Visa, Mastercard, Discover or Amex to pay premiums online, by phone or through the Allstate app.
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Automatic Bank Draft – Set up recurring withdrawals from your checking account on your due date. Ensures you never miss a payment.
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Online – Register at Allstate.com/myaccount to pay via e-check, card or bank draft.
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Phone – Call (800) 521-3535 anytime to pay by card or e-check. Available 24/7.
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Mobile App – Download the Allstate app to pay bills conveniently via your device.
Review payment options to choose the method that works best on your American Heritage Life policy. Consistent premiums keep your coverage active.
How to Set Up Automatic Payments
Enrolling in autopay through Allstate is the easiest way to pay American Heritage Life Insurance premiums on time, every month. Follow these instructions:
By Phone:
- Call Allstate at (800) 521-3535 to speak with a representative
- Provide your American Heritage Life policy number
- Select your preferred payment method – credit/debit card or bank account
- Authorize the monthly withdrawal of your insurance premium
Online:
- Go to Allstate.com/myaccount and register your account
- Under “Billing & Payments”, choose Recurring Payments
- Enter your AHL policy number, payment details, and date to withdraw
- Review authorization and submit to activate autopay
Via Mobile App:
- Download the Allstate app and login
- Tap on your American Heritage policy under “My Policy”
- Select Autopay and follow prompts based on policy number
Once set up, payments will automatically be withdrawn from your account monthly. You can adjust or cancel autopay at any time.
What To Do If You Miss an Insurance Payment
If you happen to miss an American Heritage Life payment, take these steps right away:
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Pay the Amount Due – To minimize any lapse, submit payment immediately for the missed premium.
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Review Notices – Check any notices from AHL about the non-payment. They provide next steps.
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Contact Customer Service – Discuss with an Allstate agent to understand impacts to your policy. Ask about grace periods or extensions.
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Avoid Recurring Late Payments – If struggling to pay, talk to AHL about lowering costs. Adjust death benefits or switch to annual payments.
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Know Consequences – Understand what happens if you can’t pay the overdue premium. Coverage could lapse but may allow reinstatement within a certain window.
Quick action can remedy many missed payments to maintain active American Heritage insurance coverage.
Troubleshooting Payment Problems
If you have issues paying American Heritage Life premiums, here are some troubleshooting tips:
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Verify any rate increases are applied correctly so you pay the right premium amount.
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Update AHL if your bank account details have changed so payments process smoothly.
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Check if the credit card on file is expired and provide new details to avoid declined autopay.
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If an automated payment fails, resolve the issue and submit the missed amount.
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For paper checks, allow 5-7 days for mail delivery before the payment due date.
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Confirm billing reflects any recent coverage changes that impact your monthly premium.
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Discuss any difficulties with your AHL insurance agent for personalized help and solutions.
Addressing payment problems quickly prevents disruptions in American Heritage Life policy coverage.
Frequently Asked Questions about AHL Payments
How do I register my policy to pay premiums online?
Go to Allstate.com/myaccount, click “Register Now” and provide your policy number, SSN and other details to access billing and payments.
When are premiums due on American Heritage Life policies?
Most individual life policies have monthly due dates aligned with the day of the month your policy first took effect. Check statements for exact due dates.
What is the grace period for a missed American Heritage Life payment?
AHL provides a 31-day grace period after a missed premium. Coverage remains active during this time, but you must pay the amount due before the grace period expires to avoid policy lapse.
Does AHL charge late fees for overdue payments?
No, American Heritage Life does not impose penalties or fees for late premium payments on individual life policies. However, coverage could terminate after the 31-day grace period if unpaid.
Can I get a payment extension from American Heritage Life?
Yes, you can formally request an extension if facing hardship before the grace period ends. Approval depends on your overall payment history. Call AHL at (800) 521-3535.
How do I reinstate a terminated American Heritage Life policy?
You can reinstate a lapsed AHL life policy within 6 months by paying all past-due premiums with interest. Approval is subject to providing current evidence of insurability.
How can I change payment methods on my American Heritage Life policy?
Login at Allstate.com/myaccount, select your AHL policy, and under “Billing & Payments” you can view and edit your current payment method on file. Or call (800) 521-3535.
When can my American Heritage Life policy be canceled for non-payment?
If premiums remain unpaid after the 31-day grace period, your AHL coverage will terminate on the due date of the first unpaid premium.
Get Help with American Heritage Life Insurance Payments
To prevent missed payments and possible lapses, get help from our licensed agents. We assist with:
- Premium financing and loans
- Payment reminders and overdue notices
- Policy reviews to lower premium costs
- Guidance on grace periods and reinstatement
Don’t risk losing your American Heritage Life protections. Contact us today for a free consultation on managing your policy payments.
Protect you and your family from life’s unexpected turns.
We want you to have cheap life insurance to protect you and your family, but we hope you never have to use it.
Term life insurance provides coverage for a certain time period. It’s sometimes called “pure life insurance” because its only purpose is to protect your family if you die too soon. If you have a term policy and die within the term, your beneficiaries receive the death benefit. The policy has no other value but is significantly cheaper then whole life insurance. Policies often have terms of one year to 30 years. Call (215) 969-2967 to schedule an appointment to talk to a pro.
Whole life insurance covers you for your whole life and includes an investment feature called the policy’s cash value. As long as you keep the money in the policy, it will never expire. The cash value grows slowly, tax-deferred, meaning that you won’t pay taxes on its gains while they’re accumulating. You can borrow money against the account or surrender the policy for the cash. Keep in mind that the main goal of whole life insurance is to pay out a death benefit. Whole life insurance costs more than term life insurance. Call (215) 969-2967 to schedule an appointment to talk to a pro.