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Life Insurance FAQs - Billing & Payments
Customer Service > Life Insurance FAQs > Billing & Payments

Why didn't I receive my bill?

Premium notices are generated 25 days prior to the policy due date and mailed to the payor of the policy. The payor and policy owner are the same unless otherwise instructed. If the policy is past due a notice is not generated for the next billing cycle until the current billing cycle is paid. In addition, please verify with the Company that the payors mailing address is correct.

Why did I receive a reminder notice?

Reminder notices are generated 14 days after the policy due date if a premium has not been applied. If the payor mailed a payment more than 5 business days prior to receiving a reminder notice, please contact the Company to verify payment was received.

Why did I receive a termination notice?

Termination notices are generated 40 days after the policy due date if a premium has not been applied within the 31 day grace period. If the payor mailed a payment more than 5 business days prior to receiving a termination notice, please contact the Company to verify payment was received.

How should I respond to a termination notice?

If the payor plans on making a payment within 10 business days of receiving a termination notice, the policy can automatically be reinstated by sending in the past due premiums as billed. If the payor is unable to make the payment within the 10 business days, the insured must complete the Reinstatement Request Form on the back of the termination notice along with submitting all past due premium. The reinstatement application must also be signed by the owner if the insured and owner are different. The reinstatement application will be reviewed by our Underwriting Department. If approved, the coverage will be reinstated if all back premiums have been paid. If declined, the owner will be notified by the Underwriting Department and the coverage will remain terminated.

What payment options are available?

Payments can be made on a monthly, quarterly, semi-annual, or annual frequency. The owner can change the payment frequency by completing the Mode Change section of the Policy Change Request Form. Payments by check can be mailed to our home office at 200 Day Hill Road, Windsor, CT 06095. Payments can be automatically withdrawn from a checking account or applied to a credit card by completing the Premium Payment Authorization Form.


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Vantis, Vantis Life, and A better life experience are registered trademarks of Vantis Life Insurance Company.

Life insurance and annuities issued by Vantis Life Insurance Company, Windsor, CT (all states except NY) and by Vantis Life Insurance Company of New York, Brewster, NY (NY only). Products not available in all states and state variations may apply.