Colonial Life customer service helps policyholders with supplemental insurance claims, claim status, premium payments, policy documents, beneficiary changes, coverage questions and account access. The main Colonial Life policyholder customer service number is 1-800-325-4368.
Colonial Life also has separate support routes for employers, plan administrators, agents, brokers and enrollment-technology problems. Choosing the correct department can reduce transfers and delays.
Colonial Life Customer Service Phone Numbers
- Policyholder customer service: 1-800-325-4368
- Policyholder phone hours: Monday–Friday, 8:00 a.m.–8:00 p.m. ET
- Live chat hours: Monday–Friday, 8:00 a.m.–6:00 p.m. ET
- Policyholder support: Colonial Life Policyholder Support
- Policyholder portal: Log in or register
- Claims center: File a Colonial Life claim
- Claims fax: 1-800-880-9325
- Plan administrator support: 1-800-256-7004
- Agent support: 1-800-438-6423
- Broker portal support: 1-866-531-2022
- Enrollment technology help: 1-866-875-4772
Choose the Correct Colonial Life Support Route
- Existing policy, claim, payment or coverage question: Call policyholder customer service at 1-800-325-4368.
- File or track a claim: Use the Colonial Life policyholder portal or Claims Center.
- Premium payment: Log in to the policyholder portal and select the billing or payment option.
- Policy change, beneficiary or payment method: Use Colonial Life’s policyholder service forms.
- Workplace enrollment or available benefits: Start with your employer’s human resources or benefits department.
- Employer account, invoice or employee coverage: Call plan administrator support at 1-800-256-7004.
- Colonial Life agent account: Call agent support at 1-800-438-6423.
- Broker portal registration: Call 1-866-531-2022.
- Online enrollment system problem: Call the Enrollment Technology Help Desk at 1-866-875-4772.
Colonial Life Policyholder Portal
The Colonial Life for Policyholders portal is available online at any time. Registered policyholders can use it to:
- View policy status and coverage information
- Download available policy documents
- File an insurance claim
- Check claim status
- Review claim documents and payments
- Receive claim-status notifications
- Set up direct deposit for eligible claim payments
- Pay premiums or arrange recurring payments
- View invoices and billing information
- Update profile and communication preferences
If you cannot create an account or locate a policy, call 1-800-325-4368. Have your name, date of birth, policy information and employer information available. Do not send Social Security numbers, medical records or complete policy numbers through unsecured email or public comments.
How to File a Colonial Life Claim
Colonial Life recommends filing through its online Claims Center. Online filing allows policyholders to submit documents, track progress, receive status updates and select direct deposit when available.
Depending on the policy and event, Colonial Life’s online claim system may support claims involving:
- Accidents and injuries
- Sickness
- Hospital confinement
- Critical illness
- Cancer
- Disability
- Pregnancy and childbirth
- Doctor’s office visits
- Wellness and screening benefits
- Dental or vision benefits
- Life insurance and loss-of-life claims
- Multiple Colonial Life policies covering the same event
Coverage and benefits depend on the specific policy, exclusions, limitations, waiting periods, state availability and supporting documentation. A medical event does not automatically qualify for payment under every Colonial Life policy.
Information Needed for a Claim
The exact documents depend on the claim, but Colonial Life may request:
- Policyholder and claimant information
- Date of the accident, diagnosis, treatment or hospital stay
- Description of the illness, injury or covered event
- Doctor, hospital or treatment-facility information
- Itemized bills or proof of treatment
- Diagnosis information
- Admission and discharge dates for a hospital stay
- Procedure codes for surgery or diagnostic procedures
- Physician statements or other medical verification
- Prescription receipts when the policy provides an applicable benefit
- Certified death certificate and beneficiary documentation for a life claim
Upload only the documents requested for the claim. Retain copies of everything submitted and record the confirmation or claim number.
Submitting a Paper Claim
If you cannot file online, download the correct claim form and follow the instructions printed on that form. Colonial Life currently lists the following general paper-claim routes:
- Claims fax: 1-800-880-9325
- Paper claims mailing address: Colonial Life & Accident Insurance Company, P.O. Box 100195, Columbia, SC 29202-3195
Colonial Life’s policyholder page advises allowing additional processing time for faxed claim information. Keep the fax confirmation or tracked-mail receipt. Do not use the general correspondence address when a claim form provides a different claims-processing address.
How to Check Colonial Life Claim Status
Log in to the policyholder portal to view recent claims, requested documents, claim status and available payment information. You can also call 1-800-325-4368.
Before contacting Colonial Life about a pending claim, have ready:
- Claim or confirmation number
- Policy type
- Date the claim was submitted
- Method used to submit it
- Dates additional records were uploaded, mailed or faxed
- Names of representatives previously contacted
- Copies of requests for additional information
If Colonial Life needs medical information, ask exactly which document is missing, who must complete it and where it should be submitted.
Delayed or Denied Colonial Life Claims
If a claim is delayed or denied, review the written explanation and compare it with the policy’s benefit provisions, definitions, exclusions, limitations and filing requirements.
- Ask whether the claim is denied, pending or waiting for additional information.
- Request the reason in writing if it is not already documented.
- Confirm the policy provision or documentation requirement involved.
- Submit missing records through the secure portal whenever possible.
- Ask how to request reconsideration or appeal the decision.
- Follow the instructions and deadlines in the claim decision letter.
- Keep copies of the policy, claim forms, medical records, bills and correspondence.
- Request escalation when the claim remains unresolved after the required information has been supplied.
Your employer or benefits department may help correct enrollment, payroll-deduction or eligibility records, but it generally cannot approve an insurance claim or override Colonial Life’s claim decision.
Colonial Life Billing and Premium Payments
Policyholders can make payments through the online portal by selecting the billing or “Pay My Bill” option. The portal may also allow recurring payments, depending on the policy and billing arrangement.
For a billing problem, confirm:
- Whether premiums are deducted through payroll or paid directly
- The policy numbers involved
- The amount and date of the disputed payment
- Whether an employer transmitted the deduction
- Whether a payment was returned or applied incorrectly
- The date through which coverage is shown as paid
Do not assume that stopping a payroll deduction or bank payment automatically cancels the policy. Obtain written confirmation of any cancellation, payment-method change or policy termination.
Keeping Colonial Life Coverage After Leaving an Employer
The ability to continue Colonial Life coverage after payroll deductions stop depends on the policy and Colonial Life’s administrative requirements. Contact Colonial Life promptly if you leave an employer, retire, take an extended leave or notice that deductions have stopped.
Colonial Life provides service forms for changing payment methods and requesting individual billing. Visit Colonial Life Policyholder Service Forms or call 1-800-325-4368.
Ask Colonial Life to confirm:
- Whether the policy can continue
- The premium amount and payment schedule
- The deadline for changing the payment method
- Whether any missed premiums are due
- The effective date of individual billing
- What happens if the required form is not returned
Policy Changes, Beneficiaries and Cancellations
Colonial Life’s service-form page includes forms for payment-method changes, beneficiary changes, ownership changes, personal-information updates and certain life-policy requests.
For a cancellation or surrender request:
- Call 1-800-325-4368 before stopping payment.
- Ask which form applies to the exact policy.
- Confirm whether a signature or supporting document is required.
- Ask for the effective cancellation or surrender date.
- Request written confirmation when processing is complete.
- Review possible policy-value, loan or tax consequences before surrendering a life policy.
CustomerServiceNumbers.com cannot cancel a Colonial Life policy or change a beneficiary. These requests must be submitted directly to Colonial Life using its required forms.
Colonial Life Plan Administrator and Employer Support
Employers and plan administrators can call 1-800-256-7004, Monday–Friday, 8:00 a.m.–7:00 p.m. ET.
- Plan administrator support: Colonial Life employer support
- Plan administrator fax: 1-800-561-3082
- General correspondence: Colonial Life & Accident Insurance Company, P.O. Box 1365, Columbia, SC 29202-1365
The employer portal can be used to manage employee coverage, review invoices, submit payments, transfer files and access account reports. Plan administrators should have the employer name, billing control number, invoice information and affected employee details available.
Colonial Life Agent, Broker and Enrollment Support
Agent Support
Colonial Life agents can call 1-800-438-6423, Monday–Friday, 8:00 a.m.–7:00 p.m. ET. Visit Colonial Life Agent Support for current portal and mailing information.
Broker Support
Brokers needing registration or secure-site access can call 1-866-531-2022 or visit Colonial Life Broker Support.
Enrollment Technology Help
For technical problems with Colonial Life’s workplace enrollment system, call the Customer Enrollment Technology Help Desk at 1-866-875-4772, Monday–Friday, 8:00 a.m.–7:00 p.m. ET. Questions about the benefits offered by a particular employer should normally start with that employer’s benefits administrator.
How to Escalate a Colonial Life Complaint
For an unresolved policyholder complaint:
- Start with policyholder customer service at 1-800-325-4368.
- Request a claim, service or correspondence reference number.
- Document the representative’s name, date, discussion and promised action.
- Ask for a supervisor or claim escalation review.
- Submit supporting records through the secure portal or the route specified by Colonial Life.
- State the exact resolution requested.
- Request a written response or claim determination.
- Follow the reconsideration or appeal instructions in any claim decision letter.
If the complaint remains unresolved, visit the NAIC Consumer Insurance Center to locate your state insurance department. State regulators may accept complaints involving claim delays, denials, policy administration, cancellations, premium problems and possible violations of state insurance law.
Before filing a regulatory complaint, gather the policy, claim decision, correspondence, payment records, medical or billing documentation, contact timeline and requested resolution. Do not submit more private medical or identity information than the regulator requires.
Insurance and claims scam warning
Be cautious of unsolicited calls, emails or text messages claiming that a Colonial Life claim, premium or policy requires immediate payment or identity verification.
- Use ColonialLife.com or a telephone number printed on an official policy or claim notice.
- Do not disclose portal passwords or one-time verification codes.
- Do not pay an unexpected caller by gift card, cryptocurrency or wire transfer.
- Do not send medical records, Social Security numbers or banking information through unsecured email.
- Confirm that a benefits counselor or agent is associated with your employer before sharing enrollment information.
About Colonial Life Insurance
Colonial Life & Accident Insurance Company is based in Columbia, South Carolina, and operates as part of Unum Group. Colonial Life primarily provides workplace and supplemental benefits, including accident, disability, life, hospital indemnity, critical illness, cancer, dental and vision products.
Most Colonial Life products are offered through employers, but policy administration and claim decisions are handled according to the insurance contract and applicable law. Policy forms, coverage, benefits, exclusions and product availability can vary by state.
Colonial Life Reviews and Complaints
CustomerServiceNumbers.com invites policyholders, employers and benefits administrators to share firsthand Colonial Life customer service experiences involving:
- Claim filing and processing
- Requests for medical documentation
- Claim payments or denials
- Policyholder portal access
- Premium payments and payroll deductions
- Coverage continuation after leaving an employer
- Beneficiary or policy changes
- Employer and plan administrator support
- Complaint escalation and follow-up
A helpful review should identify the type of policy, support route used, approximate timeline, whether a reference number was provided and whether the issue was resolved. Do not publish policy numbers, claim numbers, Social Security numbers, medical records, dates of birth, addresses, telephone numbers or banking information.
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Colonial Life Customer Service Frequently Asked Questions
What is the Colonial Life customer service phone number?
Colonial Life policyholder customer service can be reached at 1-800-325-4368.
What are Colonial Life customer service hours?
Colonial Life currently lists policyholder phone-support hours as Monday–Friday, 8:00 a.m.–8:00 p.m. Eastern Time. Live chat is listed Monday–Friday, 8:00 a.m.–6:00 p.m. Eastern Time.
How do I file a Colonial Life claim?
Log in to the Colonial Life policyholder portal and open the Claims Center. Online filing allows you to submit documentation, check status and select direct deposit when available.
What is the Colonial Life claims fax number?
Colonial Life lists 1-800-880-9325 for faxing claim information. Keep the fax confirmation and allow additional processing time.
Where do I mail a Colonial Life paper claim?
Colonial Life claim-form pages list P.O. Box 100195, Columbia, SC 29202-3195 for paper claims. Follow the mailing instructions printed on the specific claim form because some documents may use a different address.
How do I check a Colonial Life claim?
Sign in to the policyholder portal and review recent claims or the Claims Center. You can also call 1-800-325-4368.
How do I pay a Colonial Life premium?
Log in to the policyholder portal, select the billing or payment section and follow the instructions. Depending on the policy, recurring payments may also be available.
Can I keep Colonial Life coverage after leaving my employer?
Possibly, but continuation depends on the policy and Colonial Life’s administrative requirements. Contact Colonial Life promptly and ask whether a payment-method or conversion form is required.
How do I cancel a Colonial Life policy?
Call 1-800-325-4368 and ask which service form applies. Do not assume that stopping payroll deductions automatically cancels coverage. Request written confirmation of the effective cancellation date.
What is the Colonial Life employer-support number?
Plan administrators can call 1-800-256-7004, Monday–Friday, 8:00 a.m.–7:00 p.m. Eastern Time.
Where can I complain about an unresolved Colonial Life insurance problem?
Escalate the matter through Colonial Life first. If it remains unresolved, use the NAIC Consumer Insurance Center to locate the state insurance department that regulates insurance complaints in your state.
Page Update Note
Updated August 2026: This Colonial Life customer service page was restored with current policyholder, claims, billing, employer, agent, broker and complaint-escalation information.
Why Trust CustomerServiceNumbers.com?
CustomerServiceNumbers.com has helped consumers locate customer-service information and share service experiences since 2004. CSN independently organizes support routes, telephone numbers, complaint guidance and consumer reviews.
CustomerServiceNumbers.com is not owned or operated by Colonial Life, Colonial Life & Accident Insurance Company or Unum Group. We cannot access policies, file claims, approve benefits, change beneficiaries, cancel coverage, process payments or alter claim decisions.
Share Your Colonial Life Experience
Have you contacted Colonial Life about a claim, premium, policy change, workplace benefit, beneficiary, portal problem or complaint? Leave a rating and review below. Explain which department you contacted, whether you received a reference number, how long assistance took and whether the issue was resolved.
Customer Service Numbers Disclaimer
CustomerServiceNumbers.com is an independent consumer information and review website and is not affiliated with Colonial Life, Colonial Life & Accident Insurance Company or Unum Group. Telephone numbers, hours, links and support options may change. Verify policy coverage, benefits, exclusions, claim requirements, deadlines, premiums, tax consequences and regulatory information directly with Colonial Life, the applicable policy documents, a licensed professional or the appropriate state insurance department.
