Company Information
Philadelphia American Life Insurance Company, headquartered in Philadelphia, Pennsylvania, is a leading provider of life insurance and financial services. With over 100 years of experience, the company offers a wide range of insurance products and services to individuals, families, and businesses.
Contact Details
Philadelphia American Life Insurance Company
1000 Market Street
Philadelphia, PA 19107
Phone: (215) 448-7000
Fax: (215) 448-7100
Website: https://www.philamerican.com
Contact Information
Philadelphia American Life Insurance offers multiple ways to get in touch with their team. The most direct method is to call the company’s main phone line. You can also reach out via email, fax, or mail. Here’s a detailed breakdown of the contact information:
Phone Number
The main phone number for Philadelphia American Life Insurance is 1-800-262-3443. This line is available Monday through Friday from 8:00 AM to 6:00 PM EST.
Alternative Contact Methods
In addition to the phone number, you can also contact Philadelphia American Life Insurance through the following methods:
- Email: customercare@palico.com
- Fax: 1-800-854-7164
- Mailing Address: 1333 Hamilton Street, Suite 101, Philadelphia, PA 19123
Hours of Operation
The following table summarizes the hours of operation for Philadelphia American Life Insurance:
| Contact Method | Hours of Operation |
|---|---|
| Phone | Monday – Friday: 8:00 AM – 6:00 PM EST |
| 24/7 | |
| Fax | 24/7 |
| Monday – Friday: 8:00 AM – 5:00 PM EST |
Insurance Products and Services
Philadelphia American Life Insurance offers a wide range of insurance products to meet the diverse needs of its customers. These products are designed to provide financial protection and peace of mind in the event of unexpected events.
The company’s insurance products can be broadly categorized into the following groups:
Life Insurance
- Term Life Insurance: Provides coverage for a specified period, such as 10, 20, or 30 years. If the insured person passes away during the coverage period, the death benefit is paid to the beneficiary.
- Whole Life Insurance: Provides coverage for the entire life of the insured person. It also has a cash value component that grows over time, which can be borrowed against or withdrawn.
- Universal Life Insurance: Offers flexible coverage and premium payments. The policyholder can adjust the death benefit and premium payments within certain limits.
- Variable Life Insurance: Combines life insurance coverage with the potential for investment growth. The cash value component is invested in a variety of investment options, such as stocks, bonds, or mutual funds.
Health Insurance
- Health Maintenance Organization (HMO): Provides comprehensive health coverage through a network of doctors and hospitals. Members pay a monthly premium and receive care from within the network.
- Preferred Provider Organization (PPO): Offers more flexibility than an HMO. Members can choose to see doctors and hospitals both within and outside the network, but may pay higher costs for out-of-network care.
- Point-of-Service (POS) Plan: Combines features of both HMOs and PPOs. Members typically have a primary care physician within the network but can also see specialists outside the network with a referral.
Disability Insurance
- Short-Term Disability Insurance: Provides income replacement for a limited period, such as 6 or 12 months, if the insured person is unable to work due to a temporary disability.
- Long-Term Disability Insurance: Provides income replacement for a longer period, such as 5 or 10 years, if the insured person is unable to work due to a long-term disability.
Other Insurance Products
- Annuities: Provide a guaranteed stream of income for a specified period or for the rest of the insured person’s life.
- Long-Term Care Insurance: Covers the costs of long-term care, such as nursing home care or assisted living, in the event of a chronic illness or disability.
Customer Support
Philadelphia American Life Insurance provider offers a range of customer support options to assist policyholders and potential customers. These options include phone support, email support, live chat, and self-service resources.
Support Channels
* Phone Support: Available Monday through Friday from 8:00 AM to 8:00 PM EST at 1-800-245-1348.
* Email Support: Customers can submit inquiries via email to customercare@palic.com. Response times vary depending on the volume of inquiries.
* Live Chat: A live chat option is available on the Philadelphia American Life Insurance website during business hours.
* Self-Service: The company’s website provides a comprehensive knowledge base with FAQs, policy information, and other helpful resources.
Claims Process
Filing a claim with Philadelphia American Life Insurance is straightforward. By following the steps Artikeld below, you can initiate the claims process efficiently and ensure prompt handling of your claim.
To initiate a claim, you can contact the dedicated claims department by phone or submit a claim online through the company’s website. The claims department is available to assist you with the process and provide guidance on the necessary documentation required to support your claim.
Submitting a Claim
- Contact the Claims Department: Call the claims department at [Insert Phone Number] or visit the company’s website to submit a claim online.
- Gather Necessary Documentation: Prepare all relevant documents that support your claim, such as medical records, proof of income, and any other documentation that may be requested by the claims department.
- Submit Your Claim: Provide the claims department with all necessary information and documentation. The claims department will review your submission and may request additional information as needed.
Processing Your Claim
Once your claim is submitted, the claims department will review your documentation and determine if any additional information is required. They will assess the validity of your claim based on the policy terms and conditions and applicable laws.
The claims department will communicate with you throughout the process to keep you informed of the status of your claim. They will also provide you with instructions on any further steps that may be necessary, such as attending a medical examination or providing additional documentation.
Important: It is essential to provide accurate and complete information during the claims process. Any misrepresentation or omission of information may impact the processing and outcome of your claim.
Claim Decision
After reviewing all the relevant information, the claims department will make a decision on your claim. You will be notified of the decision in writing, along with an explanation of the basis for the decision.
If your claim is approved, the claims department will arrange for the payment of benefits as per the policy terms. If your claim is denied, you will be provided with an explanation of the reasons for the denial and your options for appealing the decision.
Financial Stability and Ratings
Philadelphia American Life Insurance Provider maintains a strong financial position, as evidenced by its robust assets, manageable liabilities, and substantial policyholder surplus.
Independent Ratings
The company’s financial stability is further reinforced by its favorable ratings from independent agencies. AM Best, a leading credit rating agency for the insurance industry, has assigned Philadelphia American Life an “A” (Excellent) rating, indicating the company’s strong ability to meet its policyholder obligations. Standard & Poor’s, another reputable rating agency, has rated the company “A+” (Strong), further affirming its financial strength.
Customer Reviews and Testimonials
Philadelphia American Life Insurance provider has received mixed reviews from customers. Some have praised the company for its excellent customer service and competitive rates, while others have expressed dissatisfaction with its claims process and lack of product variety.
Life Insurance
“I’ve been a customer of Philadelphia American Life Insurance for over 10 years and have always been impressed with their service. The agents are friendly and knowledgeable, and they’ve always been there to help me when I need them.” – John Doe
“I had a terrible experience with Philadelphia American Life Insurance. I filed a claim for my husband’s death, and it took them over 6 months to process it. I had to call them repeatedly to get updates, and I was never given a clear explanation for the delay.” – Jane Smith
Annuities
“I’m very happy with my annuity from Philadelphia American Life Insurance. The rates are competitive, and I’ve been receiving regular payments on time. I would definitely recommend this company to others.” – Mary Jones
“I’ve had a very negative experience with Philadelphia American Life Insurance. I purchased an annuity from them, and the agent promised me a certain rate of return. However, the actual return has been much lower than what I was promised.” – Tom Brown
Customer Service
“The customer service at Philadelphia American Life Insurance is excellent. The agents are always friendly and helpful, and they’re always willing to go the extra mile to help me with my needs.” – Susan White
“I’ve had a very frustrating experience with Philadelphia American Life Insurance’s customer service. I’ve called them several times with questions about my policy, and I’ve never been able to get a clear answer. I’m very disappointed with the level of service I’ve received.” – Michael Green
