American Heritage Life Insurance Company in Jacksonville, Florida

American Heritage Life Insurance Company (AHL) is a major provider of supplemental insurance products in the United States. Headquartered in Jacksonville, Florida, AHL offers a range of life, accident, critical illness, hospital indemnity, and disability insurance plans.

Overview of American Heritage Life Insurance Company

  • Founded in 1947, AHL provides insurance products and services in 49 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, and Canada.

  • A subsidiary of The Allstate Corporation, one of the largest publicly held property and casualty insurance companies in America.

  • A+ (Superior) financial strength rating from A.M. Best, reflecting AHL’s strong ability to meet ongoing insurance obligations.

  • Serves over four million customers nationwide.

  • Offers flexible and affordable supplemental insurance plans to protect finances against unexpected medical costs.

  • Headquartered at 1776 American Heritage Life Drive, Jacksonville, FL 32224.

  • Currently employs over 1,100 people.

AHL’s Supplemental Insurance Products

AHL provides the following main types of supplemental insurance coverage:

Life Insurance

  • Term life – Provides temporary death benefit coverage.

  • Permanent life – Provides lifetime protection with cash value savings.

  • Accidental death – Pays additional amount if death is accidental.

Accident Insurance

  • Covers unexpected costs like emergency room visits, transportation, lodging due to an accident.

Critical Illness Insurance

  • Provides lump-sum cash benefits for major medical events like heart attack, stroke, cancer, etc.

Disability Income Insurance

  • Replaces lost income if you become disabled and can’t work due to injury or illness.

Hospital Indemnity Insurance

  • Pays fixed cash benefits for hospital stays and other medical services.

Cancer Insurance

  • Provides financial support for cancer screening, treatment, hospital stays, etc.

Accident Treatment Insurance

  • Covers out-of-pocket costs associated with accidental injuries, such as stitches, x-rays, crutches, etc.

Why Consider AHL for Supplemental Insurance?

There are many reasons to consider AHL when shopping for supplemental insurance coverage:

Financial Strength

  • A.M. Best A+ (Superior) rating reflects excellent financial strength. AHL will be there when you need them.


  • 70+ years of industry experience. AHL has a long track record of meeting customer needs.

Flexible Plans

  • AHL offers customizable plans to fit your budget and coverage needs. You can build the plan that’s right for you.

Affordable Premiums

  • Competitive pricing makes AHL plans affordable for many households.

Exceptional Service

  • Dedicated customer service team helps explain plans and provide ongoing policy support.


  • Available through independent insurance agents nationwide. Easy to get covered.

Range of Options

  • An extensive portfolio of supplemental insurance products to select from. You can find the right type and level of coverage.

Riders for Added Protection

  • Riders can be added to policies for extra benefits like waiver of premium, accidental death, and more.

Guaranteed Renewable

  • As long as you pay premiums, AHL can’t cancel or change your coverage based on changes in your health.

AHL’s History and Company Values

American Heritage Life Insurance Company was founded in 1947 in Jacksonville, Florida by a group of employees from the Prudential Insurance Company. The goal was to provide supplemental insurance products focused on the middle class market. An emphasis was placed on prompt claims payments and quality customer service.

AHL was acquired by The Allstate Corporation in 1974 and operates today as Allstate’s supplemental benefits division. By leveraging Allstate’s financial strength and national brand recognition, AHL has grown into one of the leading supplemental insurers in America.

As part of Allstate, AHL shares a focus on caring service, integrity, and financial strength. The company aims to offer affordable supplemental insurance tailored to the needs of middle income families and individuals.

Insurance Products Offered by American Heritage Life

Here is an overview of the major types of supplemental insurance products offered by AHL:

Life Insurance

Term Life – Provides temporary death benefit protection. Options include 10, 15, 20, and 30 year term lengths.

Permanent Life – Offers lifetime coverage and builds cash value that can be borrowed against. Whole life and universal life plans are available.

Accidental Death – Doubles or triples the death benefit payout if death is due to a covered accident. An affordable way to increase total coverage.

Accident Insurance

Covers a range of services needed due to an accidental injury, such as:

  • Ambulance transportation
  • Emergency room treatment
  • Hospital admission and confinement
  • Physical therapy
  • Lodging and meals
  • Prosthetic devices
  • Routine follow-up care
  • Surgical procedures
  • X-rays and diagnostic exams

Benefit amounts are customizable based on the plan selected.

Critical Illness Insurance

Pays a lump-sum benefit if diagnosed with a covered critical illness. Typically covers:

  • Heart attack
  • Stroke
  • Major organ failure
  • End stage kidney disease
  • Major third degree burns
  • Coma
  • Paralysis
  • Loss of sight/hearing/speech
  • Cancer

Benefit amounts available from $5,000 to $50,000. Some plans also include a health screening benefit.

Disability Income Insurance

Replaces lost wages if you become disabled from a covered injury or illness. Highlights include:

  • Monthly benefits from $500 to $5,000
  • Benefit payment terms from 1 year to age 65
  • Coverage for both injuries and illnesses
  • Premium waivers – premiums waived while disabled
  • Partial disability benefits
  • Cost of living adjustment rider available

Hospital Indemnity Insurance

Pays fixed cash amounts for hospital-related services:

  • Hospital confinement
  • Daily hospitalization for 30+ days
  • ICU confinement
  • Outpatient surgery
  • Diagnostic exams
  • Doctor office visits
  • Ambulance transportation

Benefits paid regardless of other insurance.

Cancer Insurance

Helps pay for costs related to cancer diagnosis and treatment:

  • First diagnosis benefits
  • Hospitalization
  • Radiation/chemotherapy
  • Surgery
  • Ambulance
  • Prosthetics/reconstructive surgery
  • Experimental treatment
  • Anti-nausea medication
  • Waiver of premium
  • Travel/lodging assistance

Benefits from $10,000 to $100,000 based on plan selected.

Accident Treatment Insurance

Provides benefits for out-of-pocket costs from accidental injuries such as:

  • Doctor office visits
  • Urgent care treatment
  • Physical therapy
  • Diagnostic exams
  • Medical equipment
  • Prescription drugs
  • Dental work

Benefits paid regardless of other insurance coverage.

Buying AHL Insurance in Jacksonville, Florida

There are a few ways Jacksonville residents can buy AHL supplemental insurance products:

Independent Insurance Agents

Many local insurance agencies sell AHL plans. An agent can explain available options and help you enroll. Locate an agent via AHL’s website.

Allstate Agents

Some Allstate agents may offer AHL policies in addition to Allstate’s other insurance offerings. Ask an agent in your area about AHL plans.

AHL Website

You can view AHL plans and get quotes online. Complete an online application to enroll directly through the AHL website.


Call AHL’s toll-free number at 1-800-521-3535. Licensed agents can discuss plans and take applications over the phone.

When applying, you’ll complete a health questionnaire. Coverage and rates are based on your age and medical history. Plans are medically underwritten. Certain conditions may prevent qualifying for coverage.

Make sure to carefully compare benefits and premiums before selecting a supplemental insurance plan from AHL. An independent insurance agent in Jacksonville can help you evaluate all of your options.

Filing Claims and Customer Service

Filing an insurance claim with American Heritage Life in Jacksonville is easy. Simply:

  • Notify AHL as soon as possible after receiving medical treatment or being hospitalized

  • Request a claim form from AHL’s customer service team or your independent agent

  • Submit the completed claim form along with supporting bills and medical documentation

  • Provide additional information as requested by AHL to finish processing the claim

AHL aims to promptly process claims within 10 business days once all required information is provided. You can check your claim status online or via telephone.

For customer service, AHL’s Jacksonville office can be reached at:

Address: 1776 American Heritage Life Drive Jacksonville, FL 32224

Jacksonville Film Mogul S.A.Lynch & The American Heritage Life Bldg.


Is American Heritage Life Insurance the same as Allstate?

American Heritage life insurance is a subsidiary of Allstate and offers employee benefits through Allstate Benefits. Since the company does not offer individual life insurance, your employer will need to contract with American Heritage through Allstate if you want a policy.

When did Allstate buy American Heritage Life?

At December 31, 2002, the Company was wholly-owned by American Heritage Life Investment Corporation, which in turn was wholly-owned by The Allstate Corporation. American Heritage Life Investment Corporation was acquired by The Allstate Corporation on October 31, 1999 for $1.1 billion!

Who owns Allstate Insurance?

Allstate is owned by its shareholders, as it is a publicly traded company. The biggest shareholders are BlackRock, The Vanguard Group, and State Street Corporation which have a combined ownership stake of almost 20%, according to public records, as of Q1 2020.

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