Colonial Penn Customer Service, Claims, and Bill Pay Contacts

Contact directory

Colonial Penn phone numbers and official links

Start with the table below. Each row shows a phone number or official link we found on Colonial Penn's own website, plus what it's for. Tap a number to call from your phone.

Common reasons to contact Colonial Penn

• File a death claim as a beneficiary
• Check a policy's cash value or loan balance
• Make a premium payment or set up bank draft
• Change a beneficiary or address
• Request an in-force illustration or policy copy
• Ask about surrenders, withdrawals, or annuity payments

Tips for a faster call

Have your Colonial Penn policy number and the named insured's details ready before you call. Write down the date, the name of the person you speak with, and any reference or claim number they give you. If you're calling about a claim, ask what the next step is, how long it usually takes, and how you'll get updates. If you're calling about a bill, ask for the amount due, the due date, and whether your last payment has posted.

If you'd rather not wait on hold, check whether Colonial Penn offers the same service online or in an app. Many policy changes, ID card requests, and payments can be handled without a call.

Claims

How to file and track a Colonial Penn claim

To file a Colonial Penn life insurance claim, the named beneficiary or beneficiaries should complete a claimant’s statement. Send a certified death certificate for the insured and return the original insurance contract or contracts if available. Only one death certificate is required, even if the insured had multiple policies or certificates. Gather the documents before mailing and keep copies for your records.

Mail claim documents to Colonial Penn Life Insurance Company, Life Claims Department, P.O. Box 1918, Carmel, IN 46082-1918. New York residents should use the same street address and ZIP code, but address the mail to Bankers Conseco Life Insurance Company, Life Claims Department. Bankers Conseco is the New York insurer identified in the company’s claim information.

Keep the policy number, beneficiary information, and insured’s identifying details available when you contact the company. For general policy help, contact customer service at 1-800-523-9100. New York policyholders can call 1-800-323-4542 during the listed customer service hours. When following up, ask whether the documents were received and whether anything else is needed.

Before you report a claim

• Find the policy details. Look for the policy number and the insurance company's name on the policy, statements, or bank records showing premium payments.
• Get certified death certificates. Most companies ask for a certified copy. The funeral home can usually order several.
• Contact the company's claims team. Ask for a claim form and a list of the documents they need.
• Complete the claim form carefully. Each beneficiary usually files separately. Include your contact and tax information.
• Keep copies of everything. Save the claim number and notes from every call.

What happens after you file

After Colonial Penn receives a complete claim, it reviews the policy, the beneficiary designation, and the documents. Claims can take longer if the policy is less than two years old, the cause of death needs review, or paperwork is missing. Beneficiaries can usually choose how to receive the proceeds, such as a lump sum.

If you can't find a policy, the NAIC offers a free Life Insurance Policy Locator that searches participating companies for policies in a deceased person's name. If you disagree with a claim decision, ask Colonial Penn for a written explanation. You can also contact your state insurance department.

Billing

How to pay your Colonial Penn bill

Colonial Penn policyholders can pay online through the policyholder services website. The company also provides an automated payment system at 1-800-523-9100, available 24 hours a day, 7 days a week. Have the policy number or numbers and the applicable credit or debit card, or bank account and routing information, available when calling.

You can mail a check or money order to Colonial Penn Life Insurance Company, P.O. Box 371850, Pittsburgh, PA 15250-7850. New York policyholders should mail payments to Bankers Conseco Life Insurance Company, P.O. Box 371854, Pittsburgh, PA 15250-7854. Automatic bank-account deductions are available online or by mailing an Authorization Form. Recurring credit-card billing can be requested by phone, and current bills can be paid with a credit or debit card. Keep your payment confirmation or mailing receipt and check your account to confirm the payment posted.

Whichever method you choose, save your billing statements and payment confirmations until the policy term ends. If you change banks or cards, update your payment details with Colonial Penn before the next draft date so a payment doesn't fail.

Tips for paying safely

• Use official channels only. Pay through Colonial Penn's website, app, or the number on your statement, or through your agent.
• Check the web address before you enter card or bank details, and be wary of payment links sent by text or email.
• Keep your confirmation number for every payment.
• Ask about autopay or paid-in-full options. Some companies offer them.
• Act quickly on a late notice. Grace periods vary by company and state, and a missed payment can lead to cancellation.

Company background

About Colonial Penn

Colonial Penn is the brand name associated with Colonial Penn Life Insurance Company. The company says it has been serving customers since 1957. The company is described as Philadelphia-based.

The company offers life insurance, including Guaranteed Acceptance Whole Life Insurance for people age 50 and over and easy-issue permanent whole life insurance. Its website lists quote availability in numerous states, the District of Columbia, and the Virgin Islands. Eligibility ages and benefit rules vary by location. For account access and policy services, use the policyholder services website.

Your agent

How Blake Insurance Group can help Colonial Penn customers

As an independent agency, we can help you reach the right Colonial Penn team, organize claim paperwork, and follow up if a request stalls. Colonial Penn decides claims and issues payments, but we can help you understand the process.

We can also review whether your current coverage still fits. Learn more about life insurance, term life insurance, and final expense insurance.

Take the next step

Need help reaching Colonial Penn?

Call us and have this ready so we can help quickly.

• Your Colonial Penn policy number.
• Your claim number, if you've already reported the claim.
• The date and a short description of what happened.
• Your most recent billing statement, if the question is about a payment.
• The best phone number and time to reach you.

Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.

Common questions

Frequently asked questions

Keep researching

Related guides and official sources

These Blake Insurance Group pages can help with related questions.

We checked the contact details on this page against Colonial Penn's websites and these consumer sources in September 2026:

• Colonial Penn: Our company (external site)
• Colonial Penn: How do i submit a life insurance claim (external site)
• Colonial Penn: Official website (external site)
• Colonial Penn: Official website (external site)
• NAIC: Life Insurance Buyer's Guide (PDF) (external site)
• NAIC: Insurance fraud (external site)
• NAIC: Consumer resources and state insurance departments (external site)

Contact information disclosure: Blake Insurance Group LLC is an independent insurance agency. We are not Colonial Penn, and this page is not operated by or affiliated with Colonial Penn. We gathered the phone numbers and links on this page from Colonial Penn's own public websites in September 2026 so policyholders can reach the company quickly. Numbers, hours, and options can change and can differ by state, product, and policy, so confirm them on your policy documents. Claims decisions, payments, and billing are handled by the insurance company under your policy. Company names are used for identification only, and links to other websites are provided for convenience. Your policy documents control your coverage.