Forms & FAQ

Questions? Call us at 877.777.8808.




Automatic Payment Enrollment Form

Policy & Beneficiary Change Request Form

Transfer of Ownership Form

California, Idaho, and Rhode Island Policyowners: Third-Party Notification Against Unintentional Lapse

Massachusetts Electronic Signature Procedure Document

New Jersey Residents Age 62 & Older: Third-Party Notification


ATTN: Customer Support

Senior Life Insurance Company

1 Senior Life Lane

Thomasville, GA 31792

You may also fax a copy of these documents to 229-299-4756. If you would prefer to email these documents, please email any change of beneficiaries/transfer of ownership forms to Any cancellation forms can be sent to Automatic payment enrollment forms should be sent to


Click your state to view & download your claims form.

We have a reputation for paying our claims within 24 hours after we receive the necessary paperwork.


Have questions?

Below are frequently asked questions from our policyholders and prospective clients. If you do not find the answer to your question below, please contact us by clicking here or by reaching out to us at 877.777.8808.

Current Policyholder FAQs

+Can I borrow cash value from my life insurance policy?

If your policy builds cash value and this value has accumulated, it may be borrowed. Please see your policy for details.

+Can I increase my coverage?

Yes. You can add additional coverage at any age up to age 85. Issuance may depend on your answers to a few health questions.

+How can I update my mailing address?

The policyowner may call (877) 777-8808 and provide the policy number along with your old and new addresses or send a written request which includes the same information to Senior Life.

+How do I report a death?

You can use our online claim form to report a death. If you need assistance, please call our Claims Department toll free at (877) 777-8808, and one of our claims representatives will guide you through the process.

+What do I need to do if I change banks?

It is important that you call us as soon as you change banks and receive your new account information. All you will need to do is simply give us a call, and we will be happy to record your new information as long as your policy is current. You can reach us at (877) 777-8808.

+Where can I find more information about policy types?

You can call us toll free at (877) 777-8808. You can also click here to find out more about our plans.

+Who has the authority to change the ownership of a policy?

Only the policyowner can discuss matters regarding their policy with us.**Those who have power of attorney from the policyowner may also be privy to this information.

+If I misplace my policy, what should I do?

The policyowner can contact us, and we will send you a duplicate. You can call us at (877) 777-8808 or email your request to

+If I need further information or have policy questions, what should I do?

Please call us toll free at (877) 777-8808 or email us at

+How can the ownership of a policy be changed?

Please note that only a policyowner may change the ownership of a policy. You can find our Transfer of Ownership form by visiting our policyholder forms page. All requests to change ownership of a policy must be notarized and submitted in writing in its original form.

Prospective Policyholder FAQs

+Why do I need life insurance?

Life insurance will provide a cash death benefit that your selected beneficiary or beneficiaries can use for whatever they choose.

+Should I even apply for life insurance if I know that I have an existing medical condition?

Yes. Even those with health conditions may still be eligible for coverage under Senior Life Insurance Company policies.

+How much will life insurance cost me?

Premium rates for life insurance are typically based on factors such as age, sex, height, weight, and health status including tobacco/nicotine use. The type of policy you purchase will also affect the amount of the premium. Please contact us at (877) 777-8808 for a premium quote.

+Who is a beneficiary?

This is a person or other party designated to receive life insurance proceeds upon the death of the insured. The beneficiary is named when a policy is taken out and can be changed at the request of the policyowner.

+Will my premiums ever increase?


+Can my policy ever be cancelled by the company?

Your policy may only be cancelled by the company for non-payment of premiums. It is important to make sure funds for payment are always readily available to ensure coverage for your family.

+Who will receive my death benefit?

The designated beneficiary will receive your death benefit.

+If I need further information or have policy questions, what should I do?

Please call us toll free at (877) 777-8808 or email us at

Lesson 1


Recognizing the need for a more comprehensive anti-money laundering regime to fight drug trafficking, organized crime, and international terrorism, the U.S. Congress passed and President George W. Bush signed into law the USA PATRIOT ACT (Patriot Act), which, among other things, amended the Bank Secrecy Act (BSA) to require all businesses defined in the BSA as financial institutions to implement an Anti-Money Laundering (AML) program and report suspicious transactions to the Financial Crimes Enforcement Network (FinCEN). An insurance company is defined as a "financial institution." The characteristics of financial products, including certain life insurance products, make them potentially vulnerable to those seeking to launder money. FinCEN relies upon a network of state, federal and international law enforcement agencies to collect, analyze and disseminate information about money laundering. FinCEN is also the repository for all Suspicious Activity Reports (SAR).

Bank Secrecy Act (1970)

The BSA grants the Treasury Department the authority to require firms under its jurisdiction to develop written policies and employee training programs for compliance with the provisions of the BSA. Additionally, the reporting and recordkeeping rules within the BSA require a financial institution to:

  • Maintain certain records in order to allow investigators to trace transactions.
    • Maintain certain records in order to allow investigators to trace transactions.
    • This includes information such as the identity and address of the participants in a transaction.
    • The legal capacity in which a participant in a transaction is acting.
    • The identity of the beneficial owner of the funds involved in any transaction.
    • A description of the transaction.
  • File a Currency Transaction Report (CTR) with the Internal Revenue Service (IRS) for each transaction in currency of more than $10,000. The types of transactions include: deposits, withdrawals, or currency exchanges in an amount exceeding $10,000.
    • For purposes of the CTR, multiple transactions taking place on the same day, for the same person, and the at the same financial institution count as a single transaction; this is known as the Aggregation Rule.
  • File a Report of International Transportation of Currency or Monetary Instruments (CMIR) when the amount of currency or monetary instruments transported into or outside of the U.S. exceed $10,000. Monetary instruments include any traveler’s checks or other checks, securities, or stocks that have been signed over or are otherwise in such a form that ownership goes to the bearer.
  • Maintain information concerning sales of monetary instruments purchased with cash in amounts from $3,000 to $10,000 to prevent structuring transactions.
  • Keep records for any transmittal of funds over $3,000 (the "Travel Rule").
  • Certain financial institutions must file a Suspicious Activity Report (SAR) for any suspicious transaction or activity.

USA Patriot Act (2001)

On the heels of the terrorist attacks on September 11, 2001, the Patriot Act was signed into law to combat terrorism. The Patriot Act gives law enforcement agencies broader powers in dealing with money laundering and terrorism, and makes it more difficult for money launders to use their traditional financial channels to launder money. The Patriot Act created new anti-money laundering responsibilities for insurance companies.

Money Laundering

Money laundering is the illegal practice of placing money gained from criminal activity, "dirty money," through a series of apparently legitimate transactions in order to hide the criminal origin of the money. The goal is to make money from criminal activity appear to be from legitimate sources. Money is usually associated with cash though non-cash transactions can play a role. Any financial transaction can be a part of the process to hide the origin of the money


Although money laundering is a diverse and often complex process, it basically involves three independent steps that can occur simultaneously, separately or overlap.

  1. Placement. This is the first step in the washing cycle. Money laundering is a cash intensive business, generating vast amount of cash from illegal activities. The monies are placed into the financial system or retail economy or are smuggled out of the country. The aims of the launderer are to remove the cash from the location of acquisition so as to avoid detection from the authorities and to then transform it into other asset forms. A common method is “structuring” which breaks up the currency transactions into portions that fall below the reporting threshold. Examples for disposal of bulk cash include:
    • Payment of premiums on life insurance policies or annuity contracts;
    • Large number of transactions;
    • Using cash;
    • Using cash equivalents;
    • Not using normal banking channels.
  2. Layering. In the course of layering, there is the attempt at concealment or disguise of the source of ownership of the funds by creating complex layers of financial transactions designed to disguise the audit trail and provide anonymity. The purpose of layering is to disassociate the illegal monies from the source of the crime by purposely creating a complex web of financial transactions aimed at concealing any audit trail as well as the source and ownership of funds. Examples of layering include:
    • Multiple transactions
    • Purchasing financial products such as life insurance and annuities
    • Cash transfers
    • Currency exchanges
  3. Integration. Integration is the final step in the process. It is this stage at which money is integrated into the legitimate economic and financial system and is assimilated with all other assets in the system. Integration of the "cleaned" money into the economy is accomplished by the launderer making it appear to have been legally earned. By this stage, it is very difficult to distinguish legal and illegal wealth. Methods popular to money launderers at this stage are:
    • Purchasing legitimate businesses
    • Borrowing against insurance policies
    • Termination of insurance policies
    • Early termination of annuities


Penalties for money laundering can be severe. Fines could be twice the amount of the transaction up to 1 million dollars. Any property involved in the transaction or traceable to the proceeds of the criminal activity may be subject to forfeiture. Individuals are subject to prison terms for being willfully blind to the fact that the transaction involved illegal funds. In addition, insurance companies risk losing their charter, and agents risk being removed and barred from insurance. Insurance companies have their own disciplinary policies and procedures.

Agents not complying could be subject to disciplinary action up to and including termination and will be reported to the proper legal authorities. To protect yourself from a willful blindness charge:

  • Report suspicious behavior to the Senior Life Market Compliance Department and keep documentation of communication;
  • Know your clients; and
  • Stay alert for any suspicious behaviors.

Reputational Risks

One of the most harmful outcomes from involvement in a money laundering investigation is damage to the agent and insurance company's reputation. Being aware of and following money laundering requirements helps protect our most valuable sales tool, your reputation.

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As an agent, you're able to purchase a Senior Life business cards. Each set contains 500 business cards and is $32. If you've met your production quota, then you may order these cards for no charge. To order business cards, please download the form linked here. This form can also be found on our Agent Resources site. Once you've downloaded and completed the form, please email it to If you have any questions about our business cards, please contact our Marketing Department.

As an agent, you're able to purchase a Senior Life name badge. To order one of these name badges, please submit the form linked here. If you have any questions about our name badges, please contact our Marketing Department.

Agent Resources is where you can access applications, downloads, memos, and more. If you ever have any trouble logging in, please contact our IT Department or our Marketing Department for assistance.

The Senior Life Anti-Money laundering course allows you to be trained to be aware of anti-money laundering practices. Use the link here or on our Agent resources to read the material and take the quiz. You must complete this course within 90 days of beginning your contract with Senior Life. If you have any questions about the quiz, please contact our Licensing Department.

On the Senior Life Store, you can order a variety of marketing material, from apparel to brochures. If you ever have any questions about any materials on the store site, please call our Marketing Department and we'll be happy to assist you.

The agent portal allows you to see what lead charges you have and what agents may be working under you, along with other helpful information.

Finish Contracting

In order to finish the contracting process, please click the button below to visit our contracting site. From there, you'll need to register with your 6-digit hiring code. Once you've registered, add and you'll be able to start writing business within 24-48 hours.


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