--- title: "American Heritage Life Insurance Company Claims and Contacts" canonical: "https://www.simplyinsurance.com/american-heritage-life-insurance-company/" description: "American Heritage Life Insurance Company explained - who owns it, the supplemental cancer, accident and disability coverage it sells, and how to file claims." silo: "life" published: "2026-07-24" author: "sa-el" source: "Simply Insurance" --- **American Heritage [Life Insurance](/life-insurance/) Company is a subsidiary of Allstate, operating under the Allstate Benefits brand to offer supplemental insurance products like cancer, accident, and disability coverage.** It's headquartered in Jacksonville, Florida, and serves both individual policyholders and employer groups. You can manage your account, file claims, and contact customer service through the Allstate Benefits platform online or by phone. --- ## What Is American Heritage Life Insurance Company? American Heritage Life sells supplemental coverage, like cancer, accident, disability and critical illness plans, that fills gaps your primary health insurance leaves. American Heritage Life Insurance Company (AHLIC) is a specialty insurer focused on [supplemental health and life products](https://www.simplyinsurance.com/compare-life-insurance-quotes-online/) — the kind of coverage that steps in where your primary health insurance leaves off. Think cancer insurance, accident coverage, disability, and critical illness plans. The company has been around since 1956, building a track record in the supplemental insurance space before eventually becoming part of a much larger family. ### Is American Heritage Life Insurance the Same as Allstate? Yes, effectively. Allstate acquired American Heritage Life Insurance Company, and today it operates as the backbone of **Allstate Benefits** — Allstate's worksite and supplemental insurance division. When you see "Allstate Benefits," the underwriter behind most of those policies is American Heritage Life Insurance Company. So if you have an American Heritage policy, your insurer is still American Heritage Life Insurance Company — but customer service, online access, and claims all run through Allstate Benefits infrastructure. ### Who Owns American Heritage Life Insurance? Allstate Corporation owns American Heritage Life Insurance Company. It's a wholly owned subsidiary. The Allstate Corporation is one of the largest publicly traded personal lines property and casualty insurers in the United States. ### What Type of Insurance Does American Heritage Offer? American Heritage, through Allstate Benefits, specializes in **supplemental insurance** — not primary health or standard life insurance in the traditional sense. Products typically include: - **Cancer insurance** — lump-sum or reimbursement benefits for cancer diagnosis and treatment - **Accident insurance** — benefits for injuries from covered accidents - **Critical illness insurance** — coverage for heart attack, stroke, and similar events - **Disability income insurance** — income replacement if you can't work - **Term and whole life insurance** — basic life coverage sold through employer groups - **Hospital indemnity** — daily or per-event hospital benefits Most of these products are sold at the workplace (worksite benefits), though individual plans exist too. --- ## American Heritage Life Insurance Company Locations: Dallas, TX and Jacksonville, FL American Heritage has two primary locations that policyholders and providers might need to know about. ### American Heritage Life Insurance Company Jacksonville, Florida Headquarters The official headquarters of American Heritage Life Insurance Company is in Jacksonville, Florida. This is the legal domicile and the main administrative hub for policy records and claims processing. **Mailing address for general correspondence:** > American Heritage Life Insurance Company > 1776 American Heritage Life Drive > Jacksonville, FL 32224 If you're sending a claim form or written correspondence, this is typically the right destination — but always confirm the specific address on your claim form or policy documents, as different departments may use different P.O. boxes. ### American Heritage Life Insurance Company Dallas, TX Office Allstate Benefits also maintains offices in the Dallas, Texas area as part of its broader Allstate corporate footprint. However, for most policyholder needs — claims, account access, premium payments — you'll be routed through the Jacksonville headquarters or the Allstate Benefits national service line regardless of which office is closest to you. --- ## American Heritage Life Insurance Phone Number and Contact Information If you need to speak with someone directly, here are the main contact lines to know. ### American Heritage Life Insurance Customer Service Phone Number For general policyholder service — questions about your coverage, billing, or policy status — call: **1-800-521-3535** Lines are typically open Monday through Friday during standard business hours (Eastern Time). Have your policy number ready before you call. ### Allstate Benefits Phone Number Because American Heritage operates under the Allstate Benefits brand, many customer interactions now route through: **1-800-521-3535** (same main line) For employer group administrators, Allstate Benefits has a dedicated line for group benefit inquiries — check your group administrator materials or the Allstate Benefits website for the current number, as dedicated lines can change. ### American Heritage Cancer Insurance Phone Number If you have a cancer-specific policy and need to reach claims or customer service for that product specifically, use the same main customer service number (**1-800-521-3535**) and specify that your inquiry is about a cancer insurance policy. The representative can route you to the appropriate claims team. Is American Heritage Life Insurance legit? Yes — it's a licensed insurance carrier operating as a subsidiary of Allstate, one of the most recognized insurers in the country. It's regulated by state insurance departments and has been issuing policies since 1956. --- ## American Heritage Life Insurance Website and Online Account Access ### How to Navigate the American Heritage Life Insurance Website American Heritage Life Insurance Company doesn't operate a separate policyholder-facing website. All online account management runs through **Allstate Benefits** at: > **allstatebenefits.com** From there, you can: - Log in to your account - Make payments - View your policy details - Download claim forms - Submit claims online If you search for "American Heritage Life Insurance website," you'll likely land on or be redirected to the Allstate Benefits site. That's expected — they're the same operation from a customer-experience standpoint. ### Allstate American Heritage Life Insurance Website Overview Once you're on allstatebenefits.com, the main navigation breaks into sections for **policyholders**, **employers/administrators**, and **producers (agents)**. As a policyholder, you'll head to the member login section. Employers and HR administrators have a separate portal for group management. --- ## American Heritage Life Insurance Login: How to Access Your Account ### American Heritage Life Insurance Login for Payment To make a payment online: 1. Go to **allstatebenefits.com** 2. Click "Log In" or "Member Login" 3. Enter your username and password (or register if it's your first visit) 4. Navigate to "Billing" or "Make a Payment" 5. Choose your payment method and confirm You can also set up automatic payments through the portal to avoid missing a premium due date. ### American Heritage Life Insurance Login App Allstate Benefits doesn't currently have a standalone app branded specifically as "American Heritage." However, some policyholders can access account features through the **Allstate Mobile app** or through a mobile-optimized browser on allstatebenefits.com. Check the App Store or Google Play for the current Allstate Benefits app availability, as this can change. ### Allstate American Heritage Life Insurance Login Steps Here's the step-by-step for first-time login: 1. Visit **allstatebenefits.com** 2. Click "Register" to create an account (you'll need your policy number and the email address on file) 3. Set a username and password 4. Verify your email 5. Log in with your new credentials If you've forgotten your password, use the "Forgot Password" link on the login page — it'll send a reset link to your registered email. ### How to Check American Heritage Life Insurance Login Claim Status After logging in: 1. Navigate to "Claims" in your account dashboard 2. Select "View Claim Status" 3. Find the relevant claim by date or claim number You can also call **1-800-521-3535** to check claim status by phone if you'd prefer to speak with someone. What company took over Allstate life insurance? In 2022, Allstate sold its traditional Allstate Life Insurance Company to Blackstone — but that's a separate entity from American Heritage Life Insurance Company. American Heritage remains under Allstate's ownership as the underwriter for Allstate Benefits supplemental products. The two companies handle different product lines. --- ## American Heritage Life Insurance Provider Portal ### How Healthcare Providers Access the American Heritage Life Insurance Provider Portal If you're a healthcare provider — a doctor's office, hospital billing department, or lab — you may need to submit documentation or verify coverage for a patient with an American Heritage/Allstate Benefits policy. Providers can access the **Allstate Benefits Provider Portal** at allstatebenefits.com by selecting the provider login section. You'll typically need: - The patient's policy number - Your provider NPI number - Practice or billing contact information The portal allows providers to submit supporting documentation for claims, check claim status, and verify basic coverage information. ### Allstate Benefits Provider Portal vs. American Heritage Provider Portal There is no separate "American Heritage Provider Portal" distinct from Allstate Benefits. The Allstate Benefits portal **is** the American Heritage provider portal — same system, same login, same functionality. If older paperwork or a patient's insurance card references "American Heritage Life Insurance Company," those claims and inquiries are still handled through allstatebenefits.com. --- ## American Heritage Life Insurance Claims: How to File Filing a claim is usually the most pressing thing policyholders need help with. Here's how it works. ### American Heritage Life Insurance Claim Form: Download and Complete 1. Log in at **allstatebenefits.com** 2. Navigate to "Claims" → "Download Claim Form" 3. Select the appropriate form for your policy type (accident, cancer, disability, etc.) 4. Complete all sections — incomplete forms are the most common reason for processing delays 5. Gather supporting documentation: Explanation of Benefits from your primary insurer, medical records, or physician statements as required Alternatively, call **1-800-521-3535** to request that a claim form be mailed to you. ### How to Submit an American Heritage Life Insurance Claim Online After completing your claim form: 1. Log in to your account at allstatebenefits.com 2. Go to "Claims" → "Submit a Claim" 3. Upload your completed claim form and any required supporting documents 4. Submit and note your confirmation number Claims can also be faxed or mailed to the Jacksonville, FL headquarters — the specific fax number and mailing address for claims will be printed on your claim form. ### Allstate Wellness Claim Online Process Some Allstate Benefits plans include a **wellness benefit** — a flat payment for completing a covered wellness exam or screening. To file a wellness claim: 1. Log in at allstatebenefits.com 2. Select "Wellness Claim" or look for it under the claims menu 3. Enter the date of your wellness visit and the provider's name 4. Submit — wellness claims typically require minimal documentation Processing times vary, but straightforward claims are often resolved within a few weeks. ### American Heritage Cancer Insurance Claims Cancer claims generally require more documentation than wellness or accident claims. Expect to submit: - A completed cancer claim form - Pathology report or physician's diagnosis letter - Hospital or treatment facility records - Explanation of Benefits from your primary health insurer If you're filing a cancer claim for the first time after a diagnosis, call the customer service line directly — a representative can walk you through the specific forms needed for your policy type. How do I find out if an old life insurance policy is still good? Contact the insurer directly with the policy number. If the company has merged or been acquired, the state insurance department where the policy was issued can help you track down the current administrator. For American Heritage policies specifically, call 1-800-521-3535 — they can look up policy status by the original policy number. What's the catch with selling your life insurance policy? Life settlements (selling a policy to a third party) typically only make sense for older policyholders with larger face-value permanent policies. The buyer pays less than the death benefit but more than the cash surrender value. Tax implications and loss of coverage for beneficiaries are the main downsides — talk to a financial advisor before pursuing this route. Supplemental policies like cancer or accident insurance generally can't be sold through a life settlement. --- ## American Heritage Cancer Insurance: What You Need to Know Cancer insurance is one of American Heritage's flagship products and a common reason people search for the company by name. ### What Does American Heritage Cancer Insurance Cover? Coverage varies by the specific plan you purchased, so always verify your benefits in your policy documents. That said, typical American Heritage cancer insurance plans may cover: | Benefit Type | What It Pays For | |---|---| | Initial diagnosis benefit | Lump sum upon first cancer diagnosis | | Surgery and anesthesia | Covered procedures related to cancer treatment | | Radiation and chemotherapy | Per-treatment or per-day benefits | | Hospital confinement | Daily benefit for each day hospitalized | | Transportation and lodging | Travel to treatment centers | | Wellness benefit | Annual screening exams | These are indemnity-style benefits — the policy pays you directly (or sometimes the provider), regardless of what your primary insurance covers. That's the key advantage of cancer insurance: it supplements, not replaces, your primary coverage. Always read your specific policy for exclusions, waiting periods, and benefit limits. American Heritage recommends confirming current plan details directly with Allstate Benefits. ### American Heritage Cancer Insurance Claim Form Download the cancer-specific claim form from allstatebenefits.com under the Claims section. The form will ask for: - Policyholder information and policy number - Treating physician's name and contact information - Date of diagnosis - Type of cancer and treatment received - Attending physician's statement (may need to be completed by your doctor) ### American Heritage Cancer Insurance Login There's no separate login for cancer insurance policyholders. Log in through the standard Allstate Benefits member portal at allstatebenefits.com — your cancer policy will appear alongside any other American Heritage policies you hold under the same account. If you're shopping for supplemental coverage and want to compare options, getting a free quote through Policygenius can help you see multiple plans side by side in minutes. --- ## Frequently Asked Questions ## Is American Heritage Life Insurance the Same as Allstate? Yes. American Heritage Life Insurance Company is a wholly owned subsidiary of Allstate Corporation and operates as the underwriting company behind **Allstate Benefits**, Allstate's supplemental insurance division. Customer service, online account access, and claims all run through the Allstate Benefits platform. If your policy says "American Heritage Life Insurance Company," Allstate Benefits is your service contact. ## Is American Heritage Life Insurance Legit? Absolutely. American Heritage Life Insurance Company has been issuing policies since 1956 and is a licensed, regulated insurance carrier in all states where it operates. Its parent company, Allstate, is one of the largest and most recognized insurers in the United States. You can verify its licensing status through your state's department of insurance. ## What Type of Insurance Is American Heritage? American Heritage is a supplemental insurer, so think cancer, accident, critical illness, disability income, hospital indemnity and group life policies, mostly through your employer. American Heritage specializes in **supplemental insurance** — products that pay benefits in addition to your primary health coverage. Its main products include cancer insurance, accident insurance, critical illness, disability income, hospital indemnity, and group life insurance. These are mostly sold through employers as worksite benefits. ## How Do I Find Out if an Old Life Insurance Policy Is Still Good? Ask the insurer on your policy, and if it's merged or changed hands, your state's department of insurance can trace who administers it. Start by calling the insurer listed on the policy documents. For American Heritage policies, call **1-800-521-3535** with the policy number handy. If the company has changed hands or merged, your state's department of insurance maintains records of policy transfers and can help you track down who currently administers the coverage. ## What Company Took Over Allstate Life Insurance? In 2022, Allstate sold **Allstate Life Insurance Company** (its traditional life insurance subsidiary) to entities managed by Blackstone. However, this is separate from **American Heritage Life Insurance Company**, which remained under Allstate's ownership and continues to underwrite Allstate Benefits supplemental insurance products. The two companies have always handled different product lines. ## Who Owns American Heritage Insurance? **Allstate Corporation** owns American Heritage Life Insurance Company. It's a wholly owned subsidiary operating as the underwriting engine behind Allstate Benefits. The Allstate Corporation is publicly traded on the NYSE under the ticker ALL. ## What's the Catch With Selling Your Life Insurance Policy? You'll get less than the death benefit, your beneficiaries get nothing, the proceeds may be taxed, and most supplemental policies aren't even eligible. Life settlements — selling your policy to a third-party buyer — can generate cash, but the buyer pays less than the death benefit. That means your beneficiaries receive nothing. There are also potential tax consequences on the proceeds. And most supplemental products like cancer or accident insurance aren't eligible for life settlements at all. If you're considering this option, consult a financial advisor or estate attorney before making any decisions.