FREQUENTLY ASKED QUESTIONS
For billing questions and all other inquires please contact our Customer Service Department at (800) 243-2292 Monday through Friday 9:00 am to 5:00 pm (ET).
POLICYHOLDERS
What can I expect after I purchase a policy?
Following your purchase, expect an email receipt from no-reply@familysecurityplan.com within 24-48 hours outlining your purchase. Within 2-4 weeks, your policy will be mailed to you at the address provided at the time of the application. 2-3 weeks later, you will receive an insurance card with pertinent contact information for the insurance you purchased.
The Family Security Plan® will email you monthly with important information specifically for you. Look for emails from @familysecurityplan.com to ensure you get this information.
Can I access my policy online?
We make it convenient for you to access your policy. Visit the online portal to view your policy information, make payments, file claims and more!
To register for the FSP Portal you will need your date of birth, the last 6 digits of your Social Security Number and the policy number of the held policy.
Can I make a payment by phone?
Yes! A payment can be made by Debit Card, Credit Card or Electronic Check with no additional transaction fees over the phone.
When calling, please have your policy number and/or SSN of the policyholder or insured available.
Life Policy:
Security Mutual Life: (888) 257-0364
Health Policy:
Combined Insurance: (NY) – (800) 341-3718/ (Non-NY) – (800) 422-0603
Payments can be made by the owner, the insured or the beneficiary of a policy only.
How do I change my beneficiary?
You can easily update your beneficiary by calling our insurance carriers. Please have the following ready: First name, last name, social security number or policy number of the beneficiary you would like to change.
Life Policy:
Security Mutual Life: (888) 257-0364
Health Policy:
Combined Insurance: (NY) – (800) 341-3718/ (Non-NY) – (800) 422-0603
How do I update my personal Information?
Should you need to update your personal information, you can call into one of the numbers listed below. Please have the following ready: First name, last name, social security number or policy number of the policy.
Life Policy:
Security Mutual Life: (888) 257-0364
Health Policy:
Combined Insurance: (NY) – (800) 341-3718/ (Non-NY) – (800) 422-0603
How do I file a claim?
When calling, please have your policy number and/or SSN of the policyholder available.
For a Life Policy Claim, please call:
Security Mutual Life: (800) 846-6305
For a Health Policy Claim, please call or follow the link:
(Disability/Critical Illness/Accident Policies):
Combined Insurance: (NY) – (800) 341-3718/ (Non-NY) – (800) 422-0603
Online: www.combinedinsurance.com/FSPClaims
If you’re unsure of which policies you have, you can call PFP | The Family Security Plan® at (800) 243-2292.
How do I request a copy of my policy?
The policy is an important document that outlines your benefits in detail. Your carrier keeps copies of all contracts on hand and can usually produce your policy fairly quickly when requested by phone. When calling, please have the following ready: First name, last name, social security number or policy number of the policy you are requesting.
Life Policy:
Security Mutual Life: (888) 257-0364
Health Policy:
Combined Insurance: (NY) – (800) 341-3718 / (Non-NY) – (800) 422-0603
Please be advised that your carrier may charge a fee for a duplicate policy request.
Does my life insurance policy accumulate cash value?
Your Whole Life policy does accumulate cash value. Adult policies take approximately 3-5 years from the day the policy is taken out to begin accumulating cash value. Children’s polices take approximately 5-7 years to accumulate cash value.
Your Term Life policy does not accumulate cash value.
Can I take out a loan on the cash value of a Whole Life policy? Am I required to pay back the loan?
The cash value can be taken out as a loan on the policy for those unexpected times of need. Loans are not required to be paid back. However, the outstanding loan, plus interest, will be deducted from the death benefit of the policy if not paid back.
To request a loan, you can visit our customer portal or call the number below.
To request a loan through the portal, you must register if you have not done so already. You will need your date of birth, the last 6 digits of your Social Security Number, and the policy number of the held policy.
When calling, please have the following ready: First name, last name, social security number or policy number of the held policy.
The FSP Portal
Security Mutual Life: (888) 257-0364
What if I don’t see my question listed?
Whether it is a question about who is covered under your policy, or what is covered, The Family Security Plan® is here to provide you with peace of mind. We can review your current coverages and ensure that all of your protection needs are being met.
Life Policy:
Security Mutual Life: (888) 257-0364
Health Policy:
Combined Insurance: (NY) – (800) 341-3718/ (Non-NY) – (800) 422-0603
