American Income Life Special Risk Division FAQ's

If you have a question about American Income Life Special Risk Division products, this is the best place to find answers. Browse to see answers to common questions concerning camping and submitting applications. If the answer to your question is not provided, you may submit your own.

To submit a question, fill out the form below and click ‘Submit’. You can expect an answer within 2 business days.

Frequently Asked Questions

What is the preferred method for submitting claims forms?  
Postal mail is the preferred way to submit forms. Mail to:
American Income Life Special Risk Division
P.O. Box 50158
Indianapolis, IN 46250

I’m leaving tomorrow! What should I do? 
A good rule of thumb: if it’s more than 2 days before you leave, mail your form. If it’s less, submit your request to American Income Life Special Risk Division online. Forms may also be faxed to 317-849-2793

I faxed my form. Should I also mail the hard copy?
No. Your faxed copy serves as our original. Keep the hard copy for your records noting when the information was faxed.  
 
Does reporting activities early eliminate potential problems?
Absolutely! Quicker processing time enables American Income Life SRD to identify problems early and call you with any questions before your activity begins. You’ll also receive your confirmation of coverage card in 3 to 5 working days.

Do all participants need to be included in the insurance?
Yes. Coverage may not be offered on an individual or optional basis. Primary coverage provided by American Income Life plans pay first regardless of other insurance. Even individuals with personal insurance are faced with deductibles, copayment requirements, and coverage limitations.  

When do I send my premium payment?
Payment is made at the conclusion of your event and based on actual attendance. It is important to include the matching remittance section with your premium payment. Also, be sure your check is not less than the minimum premium. 

What do I do if the event is cancelled?
No premium is due if the activity is not held. Please mail American Income Life Special Risk Division the remittance noting that the event has been canceled.  

Are there any age restrictions?
The Special Risk Division of American Income Life does not insure people less than age 5 for any activity.  

When does coverage begin for a particular activity?
Participants are covered during travel time to and from the activity, as well as during the activity. Coverage only applies to uninterrupted, direct travel time. Travel coverage would end if, during travel, a participant does an activity unrelated to the group activity (like running an errand). Coverage begins again when they arrive at the activity. 

When does coverage end?
Coverage ends when the participant reaches the property line of their place of residence. Participants are not covered during loading or unloading at their place of residence, unless that is the location for the group activity.

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