American Express Life Insurance

At the time of writing, American Express does not have an online portal. In order to make a claim, you can call 1800 025 015 (Mon-Thurs 8:30am – 7:00pm AEST Friday 8:30am – 5:30pm AEST)

Before you submit a claim, you may need to have certain details on hand, such as:

• Your policy information
• Information about the incident, if applicable (date, time, place)
• Original birth and death certificate if the claim relates to somebody’s death
• Medical reports, test/examination/laboratory results, if applicable

According to the American Express Ezicover Life Insurance PDS, if your insurance claim is approved, benefits under the policy are payable to the policyholder, their estate, or another person deemed ‘acceptable to’ American Express. You may need to speak to American Express for details about who might be classified as ‘acceptable’. If you would prefer for benefits to be paid to one or more beneficiaries nominated by you, you can contact American Express to set up a nomination.

Generally speaking, premiums for forms of life insurance such as term life insurance, TPD insurance or trauma insurance may not be tax deductible, according to the Australian Taxation Office (ATO). Ask your tax accountant or financial adviser for more details on this.

If you hold an American Express Life Insurance policy, you can apply to increase the amount of your cover at any time. Your application to increase your cover will be subject to the same eligibility criteria as when you took out your policy initially.

You should be able to change your level of cover by adding or removing features or coverage, and by increasing or decreasing your sum insured for each type of cover included in your life insurance policy. If you wish to change your policy inclusions, contact American Express on 1800 025 015 to discuss your options.

Keep in mind that increasing your level of cover or adding your spouse or children to your policy is likely to result in you having to pay a higher insurance premium.

American Express is a global financial services company founded in 1850 in America. It has since become a worldwide organisation, offering services in approximately 100 countries around the globe.