How to Make Payments on Your American Heritage Life Insurance Policy

If you have an individual or group life insurance policy from American Heritage Life Insurance Company (AHL), keeping up with premium payments is essential to maintaining coverage. Missed or late payments can lead to policy lapse or termination.

This guide will explain everything you need to know about making payments for American Heritage life insurance, including:

  • Types of payments accepted
  • Ways to pay your premium
  • Setting up automated payments
  • What to do if you miss a payment
  • Troubleshooting payment issues
  • Related questions about AHL payments

Follow the tips below to keep your AHL life insurance active and avoid any coverage disruptions due to non-payment of premiums.

Payment Options for American Heritage Life Insurance

American Heritage Life Insurance, part of the Allstate family, offers policyholders multiple ways to pay their premiums. Accepted payment methods include:

  • Paper check – Mail your payment to the address listed on your billing statement. Make checks payable to American Heritage Life Insurance Company.

  • Electronic check (e-check) – Provide your bank account details to authorize an automatic withdrawal for the amount due.

  • Credit or debit card – Submit Visa, MasterCard, Discover or American Express details to process your premium payment.

  • Automatic bank draft – Set up recurring withdrawals from your checking account on the due date.

  • Online – Register at to pay via e-check, debit/credit card or bank draft.

  • Phone – Call Allstate customer service 24/7 at (800) 521-3535 to pay by card or e-check.

  • Mobile app – Download the Allstate Mobile app and sign up to pay bills online.

Choose the option that best suits your needs and payment schedule. American Heritage Life offers flexible ways to submit premiums securely and efficiently each month.

How to Set Up Automatic Payments

Signing up for automated monthly payments through Allstate can ensure you never miss an American Heritage Life Insurance payment. With autopay, your premium is withdrawn on time every month with no hassle.

Follow these instructions to establish recurring payments:

By phone

  • Call (800) 521-3535 to reach an Allstate representative

  • Provide your American Heritage Life policy number

  • Select your preferred payment method – credit/debit card or bank account

  • Authorize the monthly withdrawal of your insurance premium


  • Register at

  • Under Billing & Payments, select Recurring Payments

  • Enter your policy number, payment info, and date to withdraw

  • Review authorization and submit to activate autopay

Mobile app

  • Download the Allstate app and login

  • Tap on your American Heritage policy under My Policy

  • Select Autopay and follow prompts to set up based on policy number

Once established, automatic payments will be withdrawn on your due date going forward to cover your AHL premium. You can cancel or change the autopay option anytime.

What to Do If You Miss an Insurance Payment

If you happen to miss an American Heritage Life Insurance payment, take action right away to maintain coverage. Here are important steps:

Pay the amount due immediately

To minimize any lapse in coverage, submit payment as soon as possible for the missed premium. Pay online, by phone, or overnight a check.

Review billing notices

Carefully check any notices from AHL about the missed payment. They detail next steps to bring your policy current and avoid cancellation.

Call customer service

Discuss the non-payment with an Allstate agent to understand impacts to your policy. Ask about any grace period or extension options.

Avoid recurring late payments

If you’re struggling to pay premiums, talk to AHL about ways to lower costs. Consider adjusting your death benefit or switching to an annual payment plan.

Discuss consequences of lapse

If you can’t pay the overdue premium, ask your agent what will happen. Your coverage could lapse but may allow reinstatement within a certain window. Know those details.

With communication and quick action, many non-payments can be remedied to maintain active American Heritage insurance coverage.

Troubleshooting American Heritage Life Insurance Payment Problems

If you experience issues paying your AHL premium, here are some troubleshooting tips:

Recent rate increase?

Verify that any recent rate hike was correctly applied so you are paying the proper premium amount now due.

Bank account changes?

If your account on file has changed, update your payment info with AHL so withdrawals go through seamlessly each month.

Card expired?

Check that your credit card on file has not expired recently and provide updated details to keep autopay running smoothly.

Autopay decline?

If a recent automated payment failed, resolve the problem and submit a new payment to cover the missed premium.

Paper check delays?

Allow 5-7 days for paper checks to reach AHL’s payment center to avoid processing delays. Consider electronic payments to expedite matters.

Coverage changes?

Confirm your billing properly reflects any recent adjustments you made to your American Heritage policy that may impact monthly premiums.

Agent guidance

Discuss any payment difficulties with your AHL insurance agent for personalized help and solutions. Their job is to keep your policy active.

Resolving billing problems quickly ensures continuous, worry-free coverage under your American Heritage Life policy.

Frequently Asked Questions about American Heritage Payments

How do I register my policy to pay online?

Go to and click “Register Now”. Provide your name, policy number, SSN and other details to create an online profile and access billing and payment options.

When are American Heritage Life premiums due?

Most individual life policies have a monthly premium due date, often aligned with the day of the month your policy first took effect. Check your billing statement for the exact due date.

What is the grace period for a missed payment?

AHL provides a 31-day grace period after a missed premium. Your coverage remains active during this time, but you must pay the amount owed before the grace period expires to avoid policy lapse.

Are there penalties for late American Heritage life insurance payments?

AHL will not charge late fees for overdue premiums. However, after the 31-day grace period your coverage could terminate if payment is still outstanding.

How can I get an American Heritage life insurance payment extension?

If facing financial hardship, you can call AHL at (800) 521-3535 to formally request a payment extension before the grace period ends. Approval depends on your payment history.

Can I reinstate a lapsed AHL life insurance policy?

Yes, American Heritage allows reinstatement on terminated life policies within 6 months by paying all past-due premiums with interest. Approval is subject to evidence of insurability.

How do I change my American Heritage payment method?

Login online at and select your AHL policy. Under Billing & Payments you can view and edit your current payment method. Or call (800) 521-3535 for help.

When can my American Heritage life policy be cancelled for non-payment?

If premiums remain unpaid after the 31-day grace period, your AHL coverage will be terminated on the due date of the first unpaid premium.

Get Help with American Heritage Life Insurance Payments

Keeping up with payments is crucial to maintaining your American Heritage life insurance protections for your loved ones. If you need any assistance making premium payments, resolving billing issues, or avoiding policy lapse, contact our agency.

Our licensed agents have experience working with American Heritage and Allstate. We make it easy to manage your AHL life insurance with premium financing options, payment reminders, and expert guidance.

Don’t risk losing valuable coverage – let us help you address any payment problems with your American Heritage Life policy. Just request a free consultation to get started.

American Heritage Life Insurance Review: Pros and Cons


Is American Heritage and Allstate the same?

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.

How do I pay my Allstate bill without login?

You have the following options available to you: Call our automated pay-by-phone system anytime at 1-800-901-1732.

How do I access my Allstate 401k?

To access your Allstate 401(k) plan online, visit the Alight website and enter your username and password, or use the forgot login feature to reset your credentials. If you don’t have login credentials, try registering as a new user.

How do I change my payment method on Allstate?

You can change your payment method with Allstate by logging into your account online and navigating to the payments section. There, you can edit your payment information, as well as make a payment or adjust scheduled payments.

Leave a Comment