Frequently Asked Questions

How do I make a change on my policy?

Any changes made to a policy (only the owner of the policy can make these changes) including change of beneficiary, change of owner, and request for name change, can be done using the Member Service Request Form.  Mark the change requested on the form, sign the form in front of a notary public, and return it to the Home Office. A Rider will be mailed to you when the change has been recorded.

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What is the difference between primary and contingent beneficiary?

The primary beneficiary is the person, people or organization that you wish to receive the monies in the event of the insured's death. The contingent beneficiary is the person, people or organization that will receive the monies only upon the death of all the primary beneficiaries.

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How can I get a replacement policy?

Complete the Member Service Request Form, and check off the section that reads ‘Declaration of Lost Certificate’ sign the form in front of a notary public, and return it to the Home Office. A Statement of Insurance will be mailed to you.

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Can I reinstate my policy if it has lapsed?

Yes, you have 5 years from the day it lapsed to reinstate your policy. To reinstate the policy you must bring your payments up to date.

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What is the difference between the owner of the policy and being the insured?

The insured is the person the insurance policy is covering. The owner can make changes to the policy, but does not have to be the same as the insured. The owner is the insured unless specified on the application that someone else is the owner.

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If I pay for the policy am I the owner?

No. Unless it is specified on the application that the owner is someone other than the inusred, the insured is the owner regardless of who is paying the premium.

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Can a minor be the owner of a policy?

If the application did not designate an owner other than the insured, the minor policyholder will become the owner when he/she attains the age of 16. Until that time, the signor of the application owns the policy.

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What is the difference between face value and cash value of my policy?

Face value is the value that would be received by the beneficiary upon the death of the insured. Cash value is the amount that will be received if the owner surrenders/cashes in the policy.

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What is the difference between paid-up and accumulated dividends?

By choosing paid-up dividends, you are buying paid-up insurance and increasing the face value of your policy. Accumulated dividends is more like a savings account that will earn a percentage of interest.

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How do I file a death claim?

We require a Death Claim Report to be completed (with the insurance fraud warning signed, dated and witnessed), along with the current policy and the original death certificate (may be returned to you upon request), sent to the Home Office.

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What if I cannot find the policy of the deceased member?

Complete the Affidavit of Deceased Member, sign the form in front of a notary public, and return it to the Home Office.

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How can I put an article in the Jednota newspaper?

Please send your publications for Jednota to our editor at editorjednota@yahoo.com

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Do you have to be Slovak or Catholic to buy insurance?

No, you do not have to be Slovak or Catholic to be a member, everyone is eligible to apply.

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How can I make payments automatically?

Complete the ACH form, and return it to the Home Office. The payment will be taken directly out of your checking or savings account the 15th of every month.

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Can I make my premium payments with a credit card?

Yes, you can now make your premium payment with a credit card by calling the Home Office at 1-800-533-6682 or by completing the Credit Card Form and sending it to the Home Office.

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