Questions about Billing

How can I pay my premium?

You can enroll in an automatic payment plan using either a checking or savings account. With Electronic Funds Transfer (EFT) from a checking or savings account you may be able to save on monthly installment fees. In order to enroll you can download the Bank Draft E-Form and send it to us at:

P. O. Box 25326
Overland Park, KS  66225-5326

OR

Mail your payment using the envelop enclosed with your bill. If you have misplaced your payment envelope, please send your payment (with your policy number) to:

P. O. Box 25326
Overland Park, KS  66225-5326

What do I do if my payment is late?

If your payment is late please contact Customer Service at 1-800-237-4463. If you have misplaced your payment envelope, please send your payment (with your policy number) to:

P. O. Box 25326
Overland Park, KS  66225-5326

Can I make a premium payment with a credit card?

At this time, Unified Life does not accept premium payments from credit cards.

Can I pay my premiums quarterly, semi-annually, or annually?

For your convenience, we offer installment payments in annual, semi-annual, quarterly and monthly cycles. Please contact your agent or a Customer Service Representative if you would like to change your current installment plan.

Questions about claims

What is your claims address?

All claims can be sent to:

P. O. Box 25326
Overland Park, KS  66225-5326
ATTN: Claims

Can I fax a claim in?

For your convenience Unified will accept claims and all other inquiries via fax at 913-402-6942.

Questions about Life Insurance

How do I make a beneficiary change?

Beneficiary changes or designations need to be made in writing. You can complete the Beneficiary Change E-Form and mail to:

Unified Life Insurance
P. O. Box 25326
Overland Park, KS  66225-5326

Or Fax it to: 913-402-6942

How do I change the owner of my policy?

Ownership changes need to be made in writing and can be completed by filling out the Ownership Change E-Form. The form can be mailed to:

Unified Life Insurance
P. O. Box 25326
Overland Park, KS  66225-5326

Or Fax it to: 913-402-6942

How do I make an address change?

Address changes can be completed either over the phone, in writing or through our Address Change E-Form. To change your address over the phone, call our Customer Service Department at 1-800-237-4463. To change your address in writing, you can mail the form to:

Unified Life Insurance
P. O. Box 25326
Overland Park, KS  66225-5326

Or Fax it to: 913-402-6942

How can I change the name on my policy?

Name change requests need to be made in writing. You can complete the Name Change E-Form and mail it to:

Unified Life Insurance
P. O. Box 25326
Overland Park, KS  66225-5326

Or Fax it to: 913-402-6942

A reason must be given for the name change. If the reason is marriage or divorce, no legal documentation is required. If the name change is due to any other reason, legal documentation (marriage license or divorce decree) must be included with the request.

Does a term life insurance policy have a cash value?

No, term life insurance policies do not have a cash value or any amount you can borrow against.

Questions about Privacy

Why is health care privacy important?

If you don’t believe your health information is protected, you may be less likely to visit or talk to your doctors and other health care experts about health issues because you are afraid of who else may learn about your conditions.  This may place you at greater risk: Your doctor needs to know as much as possible about your health to give you the best possible care.

Is my personal health information private?

The Health Insurance Portability and Accountability Act (HIPAA) includes a privacy rule that require people who manage your health care keep your information private (other federal and state laws include privacy protections as well). Health care companies must follow the HIPAA privacy rule. So must health care providers. Examples of health care companies and health care providers include:

  • Doctors
  • Dentists
  • Psychologists
  • Chiropractors
  • Pharmacies
  • Hospitals
  • Clinics
  • Nursing homes

What sort of health information is considered private?

Here are some examples of protected information:

  • Anything your doctors, nurses, and others put in your medical record
  • Conversations your doctor has about your care or treatment with nurses and others
  • Information about you in an insurer’s computer system
  • Billing information about you at a doctor’s office, clinic or hospital

What are my rights with regard to my privacy?

You have the right to:

  • Know who has your personal health information
  • Request limits on who can see this information
  • Get a copy of this information
  • Be provided with privacy notices that explain our use and disclosure of your information
  • Have this information safeguarded
  • Request corrections to your information
  • Decide if you want to give your permission before your information can be used or shared for certain purposes, such as for marketing
  • Get a report on when and why your information was shared for certain purposes
  • File a complaint if you feel your right to privacy has been violated

What are Unified's responsibilities with regard to my privacy?

We have the responsibility to:

  • Put safeguards in place to protect your information
  • Limit the use and disclosure of your information to the minimum needed to accomplish our goals
  • Enter into agreements with our contractors and others to make sure they use and disclose your information properly and safeguard it appropriately
  • Have procedures in place to limit who can see your information
  • Hold training programs for employees to learn how to protect your information