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).

Policy Owner Forms   Credit/Debit Card Payments   Checking/Savings Account Payments

Frequently asked questions

How can I get information about my Homesteaders policy?
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).
How can I update contact information or beneficiary details?

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

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).

What are my payment options with Homesteaders?

You can pay for the entire insurance policy up front (Single Payment Option), which provides you with a paid-up policy, or, depending on certain qualifying factors, you may be able to pay for the policy over a number of years (such as three, five or 10 years).

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

Homesteaders offers an early pay-off option. Additional fees may apply based on when your final payment is received in our office. We recommend that you refer to the welcome letter enclosed with your insurance policy regarding the terms of our early pay-off option.

Can I pay my premium using a credit/debit card or with an electronic withdrawal from my checking/savings account?
Yes, we accept both credit/debit card payments as well as eCheck withdrawals from a checking or savings account. You may select either option at the top of this web page to learn more and make a payment.
What if I want to make a change to my funeral plan?

Changes to your funeral plan may also require changes to your Homesteaders insurance policy. We recommend that you first contact the funeral home to discuss any changes you wish to make to your funeral plan. They will then contact Homesteaders to determine how these changes may impact your insurance policy.

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?
Homesteaders sends the withdrawal requests to the bank on the fifth day of each month. If the fifth day falls on a weekend or holiday, the request is sent on the next business day. However, due to bank processing, the withdrawal may not post to your account until one to three days later.
How do I reinstate my insurance coverage if my policy has lapsed?

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.

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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.

Download the Glossary

Trusted. Reliable. Secure.

Since 1906, Homesteaders Life Company has been trusted to make the right decisions about funeral funding products. Our commitment to always doing the right thing is one of the many reasons we are the most often-used pre-need funding company in America.*



* According to a 2017 independent brand tracking study commissioned by Homesteaders and performed by McGuire Research