Policy Owner Resources

Homesteaders Life Company policies are available exclusively through select funeral homes across the country. Homesteaders is a mutual life insurance company – which means our company is owned by the very policy owners we serve. We’re grateful for your confidence in us as the trusted, reliable and secure choice for the funding of advance funeral planning and end-of-life expenses.

If you have specific questions about your existing prearranged funeral plan, we encourage you to contact the funeral home where you made the plan.

To contact Homesteaders about your insurance policy, please call 800-477-3633 or visit the Contact Us page for additional options. Our business hours are 8 a.m. to 4 p.m. Monday through Thursday, and 8 a.m. to 1 p.m. Friday (Central time).

Payment Processing Address Change

Our payment processing site will relocate from Des Moines, Iowa to Minneapolis, Minnesota effective November 5, 2021. Billing notices from Homesteaders will soon display this new Minneapolis return address. If you are mailing in a payment after November 5 with a billing notice that contains the Des Moines return address, it will automatically be forwarded to our new processing site in Minneapolis. However, in order to avoid any potential forwarding delays, you may wish to use your own envelope and address it to Homesteaders Life Company, PO Box 77110, Minneapolis, MN 55480-7702. Please note that our physical address and all other insurance operations remain in West Des Moines, Iowa.

Mail Delivery Delays

If you have any questions or concerns about your policy status due to the impact of ongoing mail delivery delays, please contact us.

As an alternative to payment by mail, Homesteaders offers payment by credit/debit card and ACH (eCheck). Visit our Credit/Debit Card and ACH (eCheck) Payments page to learn more about these options.

Frequently Asked Questions

Please visit the Policy Owner Forms page for forms that can be used to update select information. Here are the options for submitting forms:

Mail: Homesteaders Life Company, PO Box 1756, Des Moines, IA 50306-1756
Email: service@homesteaderslife.com
Fax: (515) 440-7695

If you would like additional assistance with forms, please contact our customer service team at (800) 477-3633. Our business hours are 8 a.m. to 4 p.m. Monday through Thursday, and 8 a.m. to 1 p.m. Friday (Central time).

We will gladly consider restoring your coverage if your policy has lapsed. If it has been less than 120 days (four months) since the last premium was due, simply mail a check or money order to our Home Office in Des Moines, Iowa. Please include a note with the policy number, insured’s name, address and telephone number along with your payment.

If it has been longer than 120 days since your last premium was due, a reinstatement application is also required along with your payment for the past due amount. This form can be downloaded and printed directly from our website under the Policy Owner Forms page.

Please note that we are not able to restore your coverage until all past due premium and the reinstatement application is received and approved in our Home Office.

Homesteaders has implemented emergency relief measures for policy owners as a result of the coronavirus pandemic. We hope this effort will ease some of the burden associated with these unprecedented circumstances.

Effective until June 1, 2020, or the date through which relief is granted in your area (whichever is later), Homesteaders is extending the normal 30-day premium grace period contained in our policies as follows: Any Homesteaders policy that might otherwise lapse during this period due to non-payment of premium will remain in full force and effect.

Weather Relief Notifications

Spanish & English Funeral Service Glossary

A Spanish & English Glossary of Common Funeral Service Terms/Un Glosario en Español de Conceptos Comunes en Servicios Funerarios is now available to download.

Policy Owner Resources

Payment Processing Address Change

Mail Delivery Delays

Frequently Asked Questions

How can I get information about my Homesteaders policy?

How can I update contact information or beneficiary details?

What are my payment options with Homesteaders?

If I choose the multiple payment option, can I decide to pay off the policy at a later date?

Can I pay my premium using a credit/debit card or with an electronic withdrawal from my checking/savings account?

What if I want to make a change to my funeral plan?

When I purchased my Homesteaders policy, I specified that I want my pre-authorized check withdrawal to occur on the fifth day of each month. Why does the actual withdrawal date sometimes fall after that?

How do I reinstate my insurance coverage if my policy has lapsed?

Will my policy lapse if payment is delayed due to the coronavirus pandemic?

Weather Relief Notifications

Spanish & English Funeral Service Glossary