Frequently Asked Questions

Premiums for Non-Credit insurance may be paid by personal check, money order, or by directing loan proceeds to be used for purchase. Some term life insurance premiums may be paid by mailing a check or through a checking or savings account (ACH Debit).

Premiums for credit insurance are typically included in the loan payment.

Premium payments may be made by mail:

American Health and Life Insurance Company, P.O. Box 39, Evansville, IN 47701.

Premium payments may also be made online by visiting the Make a Merit Payment section of this website.

Premium payments cannot be accepted via phone or by credit/debit card at this time.

You may set up the bank account from which premium payment will be deducted by completing a Change of Policy/Certificate Request Form

The bank account from which your premium payments are deducted may be changed by completing and returning to us a Change of Policy/Certificate Request Form

You may change the frequency of your automatic premium payment by selecting the desired frequency in the Change of Payment Method section of the Change of Policy/Certificate Request Form

Your beneficiary may be changed by completing the Beneficiary Change Form and returning it to us. The form must include the signature of the policyowner.

The mailing address for your policy/certificate and/or billing statement may be changed by completing the Change of Mailing Address or Phone Number section of the Change of Policy/Certificate Request Form and returning it to us.

A copy of your policy/certificate may be requested by calling us at 1-800-307-0048 or visiting your local OneMain branch.

Insurance protection is an important part of your financial portfolio and provides security in times of need. If, however, you decide that you no longer want your voluntary insurance coverage, you may cancel your coverage at any time by completing a Cancellation Request Form and sending it to us (instructions are at the bottom of the form) or by calling 833-585-1869.

Customers that purchased voluntary insurance or other optional products through OneMain Financial may cancel their coverage at any time. If you cancel within 60 days of the loan date or, depending on the product purchased, the date you received your coverage, you will receive a full premium or fee refund for the unused product and any finance charge on the premium or fee. If you cancel after 60 days from the loan date, the Lender will refund you the unearned premium or fee and you will not be charged the remaining finance charge on the unearned premium or fee. As permitted by state law, the Lender will apply any refunds to the loan to reduce the amount owed on your loan and your monthly loan payment will be recalculated.

Our hours of operation are Monday through Friday, 8:00 a.m. to 8:00 p.m., Eastern Time.

Chat:

www.onemainsolutions.com

Phone:

1-800-307-0048



 Mail:

OneMain Solutions

PO Box 2548


Ft. Worth, TX 76113

A variety of claim forms and instructions for their use can be found on the Find a Form section of this website. Links to each form are provided. Follow the instructions located on the claim form. If you need assistance determining the proper claim form, please call us at 1-800-307-0048.

To file your claim and required documentation, choose the method that is easiest for you:

• Upload all pages on our website using the link provided on the Find a Form page.

• Take all pages of your claim information to your local OneMain Financial branch – they will electronically submit it for you.

• Scan and email all pages of your claim information to insclaims@omf.com.

• Fax all pages of your claim information to 1-800-350-9582.
• Mail all pages of your claim information to the address on the claim form.

We recommend using the following file types for your email attachments: PDF, JPG, TIF, or PNG. We are unable to access information through hyperlinks.

Please keep in mind our Claim’s email address, insclaims@omf.com, is used for customers to submit claim information to us, should they elect to do so; however, this email box is unattended.

Email is not a secured means of communication; therefore, we are unable to provide detailed personal claim information to our customers by email correspondence.

For claim status updates, including SMS/text confirmation which verifies we received claim information or verifies a claim benefit has been issued, you may sign up for SMS text updates on our website, www.onemainsolutions.com, or chat with one of our Customer Solution Representatives on our website, Monday through Friday, 8:00 a.m. to 8:00 p.m., ET.

Once we receive your initial claim information, a claim number will be assigned. Your claim number will be listed on all claim correspondence and claim forms mailed to you from our office. If you obtain an initial claim form from your lender or on our website and a claim number has not been assigned, you may leave the claim number field blank.

Every claim is different and some may take a little longer than others to process. Generally the claim will be processed within 7 to 10 business days once all necessary information has been received.

In most cases, no. However, we reserve the right to require a certified original death certificate.

Yes. A fully completed Beneficiary Information Section of the claim form is needed for each named beneficiary.

For Credit Disability Insurance, payment is generally made to your lender and is applied directly to your account. Each day paid is based on 1/30th of the regularly scheduled loan payment. Since we pay based on a daily calculated rate, any payment covering less than 30 days will not cover the entire monthly payment.

For a Disability Income Protection Policy, payment will be made directly to you. We pay 1/30th of your monthly benefit per day of disability.

Any costs associated with completing a claim form are the insured’s responsibility.

Yes, even though you are receiving social security disability benefits, a physician who can verify your Total Disability and, in most states, verification you have remained under the care of the physician, must complete the claim form.

Claim form should be signed and dated after the waiting period has been met. Most Credit Disability Certificates of Insurance have a 7 or 14 day waiting period. The Disability Income Protection Plan has a 30 day waiting period. Refer to your Certificate of Insurance or policy for your waiting period.

Early loan payoffs are not a provision of your policy. If you remain totally disabled through the expiration date of your coverage, Credit Disability Insurance may pay off your loan. It depends on the status of your account, your disability status, and the information submitted to us. Each day of total disability paid is based on 1/30th of the regularly scheduled loan payment.

Yes. Refer to your Certificate of Insurance or policy.

If requested, previous employment information may include:

• Layoff letter from the employer; or
• Separation Letter from the employer; or
• Exit Letter from the employer; or
• Letter of Determination from the state employment office; it must provide the date employment ended and the reason it ended.

Claim form should be signed and dated at least 30 consecutive days after your last day employed. Most Certificates of Insurance have a 30 day waiting period. Refer to your Certificate of Insurance for your waiting period.

Submit a claim form so we may get the claim started while you are waiting for the state to make their determination. Most certificates require you to be receiving state unemployment benefits, without a period of disqualification, before a claim payment will be made.

Yes. Most certificates require you to be receiving state unemployment benefits, without a period of disqualification, before a claim payment will be made. If the state reverses their decision and state unemployment benefits are paid, without a disqualification period, submit the claim along with proof of state benefit payments received (benefit history, debit card or bank card statements).

Submit a claim form along with paperwork from your employer verifying receipt of these benefits. If this is not available, provide a signed, dated statement regarding the details of your employer paid benefits.

Yes, submit a completed claim form and documentation from the state showing the reason your benefits were denied.

The insurance company may need to verify your employment information.

To be eligible for a benefit, most Certificates of Insurance require that you register for work with the state employment office or a recognized employment agency within 30 consecutive days after your last day employed, qualify for state unemployment benefits (if required in your Certificate of Insurance), and remain actively registered for work during each 30 day period of your claim. Documents which provide this information are required for claim payment.

For each 30 day period of your claim, proof may include:

• A copy/screen print of your state unemployment benefit history; or
• Copies of state unemployment benefits checks; or
• Once your claim has been approved, a copy of your bank/debit card statement(s) which show dated state unemployment benefit deposits

Important: Dates must be visible on screen prints and documents.

Once your state unemployment benefits have been exhausted, documentation which verifies you remain involuntarily unemployed and actively registered for work with the state employment office or a recognized employment agency during each 30 day period of your claim is required. Proof may include:

• Dated screenprint of the state employment website showing active registration during each 30 day period of your claim; or
• Copies of monthly job application confirmations from potential employers dated during each 30 day period of your claim. This could be a copy or screen print of the email confirmation the potential employer sends you indicating they received your application.

Important: Dates must be visible on screen prints and documents.

For Credit Involuntary Unemployment Insurance, payment is generally made to your lender and is applied directly to your account. Each day paid is based on 1/30th of the regularly scheduled loan payment. Since we pay based on a daily calculated rate, any payment covering less than 30 days will not cover the entire monthly payment.

Your Certificate of Insurance excludes benefits when unemployment is due to voluntary resignation or quitting your job. However, if your involuntary unemployment is determined by the State Employment Office as just cause and you qualify for state unemployment benefits without a disqualification period, your claim should be submitted for review.

Federal law requires a 1099 tax form be issued to customers receiving $600 or more in Credit IUI benefits in a tax year.

You can go to MyInsuranceInfo.com to upload your insurance information directly to us. If you received a letter from us use the reference number found on the top right side to locate your account. Complete the form and be sure to upload copies of your insurance documents.

If you received a text message, tap or click on the provided link to upload copies of your insurance documents.

Insurance information can also be provided by calling us at 1-800-998-0753.

An active declarations page or binder showing comprehensive and collision coverage and liability coverage. OneMain Financial must be listed as the lienholder/loss payee:

OneMain Financial

PO Box 3910

Carmel, IN 46082

• Insurance cards;
• Insurance applications;
• Insurance quotes; and
• Documents where OneMain Financial is not listed as the lienholder using the Carmel, IN address.

The lienholder/loss payee address is:

OneMain Financial

PO Box 3910

Carmel, IN 46082

This insurance covers physical damage to the insured collateral during the coverage period.

This insurance does not provide bodily injury or property damage liability protection and does not comply with any financial responsibility law or any statutory requirement of no-fault coverage.

No. CPI provides comprehensive and collision coverage only, rental expenses are not covered.

No. This policy/certificate does not provide liability coverage so there is not an insurance card available.

This coverage will pay the lesser of the following, less the per occurrence deductible:

1. The amount necessary to repair the Insured Collateral to its pre-loss condition;

2. The Actual Cash Value of the Insured Collateral;

3. The Net Loan Balance; or

4. The Initial Amount of Insurance as shown in the Schedule on the policy/certificate.

Since this is CPI coverage, the maximum claim payment under the policy/certificate will not exceed your loan account balance.

Contact the police or local tow companies to find the location of the vehicle. Notify us of the location at 1-800-307-0048 so we can send an adjuster to inspect the vehicle.

Because this is Collateral Protection Insurance, any claim payment under CPI coverage is sent directly to the lender as the lender is the first named insured on the policy.

Email pictures of the damage to insclaims@omf.com. Include your name and account or claim number for identification.

Contact the department that responded to the scene of the accident. They should be able to provide information on how to obtain their report.

If you elected to keep the salvage vehicle after a total loss, some states require a salvage title.

Yes, you should file a claim if the covered vehicle was deemed a total loss.

Claim should be filed after your primary insurance company or the at fault party’s primary insurance company has finalized their claim.

A copy of your primary insurance company or the at fault party’s primary insurance company’s vehicle valuation report and final determination, including the breakdown of any settlement.