Frequently Asked Questions

About American Republic Insurance Company

What are your regular business hours?

We are open Monday through Friday, 7:30 a.m. to 5 p.m., Central Time. For more information please contact our customer service department.

What is your Company rating?

Visit the About Us section for details.

Health Insurance

How do I add a family member to my coverage?

An application is required for the addition of a family member. Individuals eligible for addition are: spouse (by marriage or common law), natural child (older than 31 days), stepchild, legally adopted child, common-law stepchild, and grandchild if child is dependent on policy owner for support. For possible special requirements concerning adoption, or to have an application mailed to you, please contact customer service.

Can I change my method of premium payment?

Yes. You may pay your premium monthly through the Automatic Payment Planpdf , or you may pay monthly, quarterly, semiannually, or annually by direct mail, some methods not available on all plans. To receive a premium quote, please contact customer service, and a representative will assist you.

Do I have a grace period in which to pay my premiums?

Yes! You do have a 31-day grace period in which to pay your premiums without a lapse in coverage.

How do I change my address?

You can change your address by simply completing our Change Policyholder Personal Information form or you can contact our customer service department and a representative will update your records. If you have both a summer and winter address, you will need to contact customer service and provide both addresses and the dates you reside at each address.

How do I change my deductible or coinsurance?

Since various products have different requirements, we suggest that you contact a customer service representative who will review with you the requirements of your policy.

How do I change my name?

If your name has changed because of marriage, you can use our simple Name and/or Address Change formpdf or contact our customer service department.

If you have legally changed your name for reasons other than marriage, you will need to send us a copy of the legal document showing your name change.

How do I change the date you withdraw premiums from my checking/savings account through the Automatic Payment Plan?

You may contact Customer Service, and we will make the necessary changes.

How do I change the owner of my policy?

If you wish to change the ownership of your policy to another individual, a signed request from the current policy owner is needed, or you may call our office to make the change.

How do I make a claim?

For Major Medical insurance policies, your provider will submit the claim electronically for you. However, if you need to submit the claim yourself, mail copies of your receipts to the claim address listed on your ID card. For Medicare Supplement polices, you must submit your charges to Medicare and Medicare will electronically submit the information to us.

How do I order a duplicate ID card?

This request can be made by completing our Order Duplicate ID Card form.

How do I remove an insured member from my policy?

This request may be made by phone by calling our customer service department.

I've changed banks. How do I change my Automatic Payment Plan billing?

When you have changed banks, you can complete a new Automatic Payment Plan authorization formpdf and return it to us with a voided check showing your new account number or you can call our office to make the change. When we receive your completed authorization form and voided check, your records will be changed and withdrawals will be made from your new account. If you wish to discontinue withdrawals from your current account, please contact customer service, and a representative will stop the withdrawals from your account.

In the event of the death of an insured member, do you require a death certificate?

If we are notified within one year of the date of death, no death certificate is required. You simply need to call a customer service representative, and provide the insured’s exact date of death. If the date you notify us is more than one year from the date of death, then a death certificate is required.

Life Insurance

Can I borrow against my life insurance policy?

Depending on your plan type, you may be able to. Please contact us to discuss your specific plan.

Can I change what happens to my dividends?

You may change your dividend option at any time. You may also choose to withdraw dividends that have been accumulating interest whenever you wish.

Does my policy earn dividends?

Only certain life insurance policies issued by American Republic Insurance Company are dividend paying and are currently receiving or being credited with dividends. If your policy does earn a dividend, you have several options on what happens to your dividend. You may choose to receive your dividend in cash, you may use it to reduce your premium, you may purchase additional paid-up insurance, or you may leave your dividend with us to accumulate interest.

I have a new baby. Can I add her/him to my life insurance?

Some policies have this feature. Please contact a customer service representative to find out if your policy provides for family member coverage. If it does, there may be an increase in the premium you are charged depending on whether or not you already have dependent coverage for other family members. You will need to complete an application and mail it to us. After the new member has been added, we will send you an endorsement to keep with your policy showing the addition.

What if I don't pay my premiums?

You have a grace period in which to pay premium. If you do not pay your premium within this period, a term life policy will lapse. However, if you have a whole life policy (LifeSavings), the cash value of your policy may be used to pay your premiums and keep your coverage in force.

Pharmacy Program

See the Frequently Asked Questions in the Pharmacy Program section.

Preauthorization Program

See the Frequently Asked Questions in the Preauthorization Program section.

HSA Information and Tools

See the Frequently Asked Questions in the HSA Information and Tools section.

 

Please Select Your State

American Republic Insurance Company serves customers in many states. However, not all products are available in all states.

Please select your state to continue.

 Go   Close


Not connected with or endorsed by the United States government or the Federal Medicare program.

Please Select Your State

American Republic Insurance Company serves customers in many states. However, not all products are available in all states.

Please select your state to continue.

 Go   Close


Not connected with or endorsed by the United States government or the Federal Medicare program.

Please Select Your State

American Republic Corp Insurance Company serves customers in many states. However, not all products are available in all states.

Please select your state to continue.

Go   Close

Not connected with or endorsed by the United States government or the Federal Medicare program.