Insurance FAQ

What is the product interest and growth rate?
Product growth rates range from .50% to 2.40% depending on the age of the contract holder and specific plan selected. Growth rates remain unchanged as of January 1, 2019 from the previous year. For more information contact Funeral Directors Life Insurance Company (FDLIC) customer service at (800) 234-8031 or

Are health questions included on the Insurance/Annuity application?
There are two sections of health questions; Section A and Section B. Section A must be completed on all applications. Single Premium policies will be issued regardless of the "Yes" or "No" answer. If the Single Pay Section A answer is "Yes," no commission is paid because it is assumed that death will occur within the 9 month "commission charge-back period."

If the applicant answers "No" to both questions in Section A, they can qualify for the multi-pay plans with a "Graded Death Benefit." If they can answer "No" to all questions in Section B, they can qualify for the multi-pay plans with full insurance coverage beginning on date of issue.

The two questions in Section A are intended to reduce the number of policies that are issued and then closed out due to a death that occurs not too long after the policy is issued. If that is achieved, it increases product profitability and results in fewer product changes.

How is the premium calculated?
There are a variety of simple and easy ways to calculate premiums for multi-pay plans. First of all, there is a free proprietary software called DIGicon available for all customers using a Tablet or Laptop PC.  There is also an FDLIC Premium Calculator online which can be accessed by computer or a smart phone. Finally, for Apple users, there is a rate calculator available in the app store called FDLIC Online.

Are copies of Group Insurance & Annuity certificates available?
Yes. The FDLIC products are group insurance policies and group annuity contracts. A certificate is issued and held by FDLIC. If a consumer or funeral home wants a copy of the certificate, just call customer service at 800-234-8031. The reason they hold the certificates is because so many policyholders or next of kin cannot find them when needed.

What about Death Claim Payments?
For a death benefit quote, call (800) 692-2808, provide the person in Claims with the information needed and they will send it back to you promptly. You can also reach the department at or submit a claim online, usually in about 30 seconds, by logging into FDLIC Online at and navigating to the DIGiclaim area.

For death benefit claim payment, email a copy of the death certificate to the claims department or upload a copy through DIGiclaim. Claims are normally paid within 24 to 48 hours.

With direct deposit, the funds can be in your business account within 48 hours. If you want funds deposited in your business account, you may request a Direct Deposit Claim Form that you can fill out and return to FDLIC.

How Do I Contact FDLIC?

Phone: 1-800-692-2808
Fax: 325-695-3696

Phone: 1-800-692-5125

Phone: 1-800-692-3688
Fax: 325-695-3696


Fax: 325-695-3698

Phone: 1-800-692-8411
Fax: 325-695-3696

Phone: 1-800-234-8031
Fax: 325-695-3696