Reassure Life Insurance Company in Des Moines 50304: Policy Servicing, Claims, and Ownership Guide

Reassure Life Insurance Company—officially known as Reassure America Life Insurance Company (REALIC)—is a legacy life insurance provider whose policy portfolio was acquired by Jackson National Life Insurance Company. Policy servicing, claims processing, and administrative support for these policies are handled through designated administration hubs, including operations based in Des Moines, Iowa (ZIP code 50304).

Overview of Reassure Life Insurance Company and Des Moines Operations

Policyholders holding contracts issued by Reassure America Life Insurance Company frequently encounter administrative notices bearing a mail stop or post office box in Des Moines, Iowa 50304. Understanding the relationship between Reassure America, its parent companies, and its Des Moines administrative centers is essential for managing your policy, submitting premium payments, updating beneficiaries, or filing a death benefit claim.

Reassure America Life Insurance Company was not traditionally a direct-to-consumer brand selling new coverage in local storefronts. Instead, it functioned as a major consolidator of closed policy blocks. Over several decades, insurance providers frequently sold off older blocks of life insurance and annuity business to specialized administrators. Reassure America accumulated policies originally written by dozens of historic life insurers, including Valley Forge Life Insurance Company, Southwestern Life Insurance Company, and Lincoln National Life policy blocks.

In late 2012, Jackson National Life Insurance Company (a primary operating subsidiary of Jackson Financial Inc.) completed the acquisition of Reassure America Life Insurance Company from its previous parent, Swiss Re. Following the transaction, Reassure America was merged directly into Jackson National Life Insurance Company. Today, although the brand name "Reassure" still appears on legacy policy documents, premium notices, and historic correspondence, the legal entity responsible for fulfilling claim obligations is Jackson National Life Insurance Company, supported by administrative processing operations in Des Moines, Iowa.

Corporate History: How Reassure Policies Transitioned to Jackson National

To effectively navigate customer service or legal claims involving a Reassure policy, it helps to trace the corporate consolidation path. Life insurance consolidation allows parent firms to achieve operational efficiencies while legally guaranteeing that existing contract terms, guaranteed cash values, death benefit amounts, and rider provisions remain fully intact.

1. Original Issuing Life Insurer (e.g., Valley Forge Life, Southwestern Life, Mid-States Life)
2. Reassure America Life Insurance Company (REALIC) (Acquired by Swiss Re / Admin Re)
3. Jackson National Life Insurance Company (Acquired in 2012; merged into Jackson)
4. Des Moines, IA 50304 Servicing Operations

The Swiss Re Era and Admin Re

Before its integration into Jackson, Reassure America operated under the umbrella of Swiss Re's "Admin Re" division. Admin Re specialized in purchasing closed blocks of life insurance policies—meaning blocks of policies that were no longer actively sold to new customers but required ongoing administrative maintenance, premium collection, customer service, and claims payment for existing policyholders. During this era, central administrative infrastructure was established across key insurance hubs, including Des Moines, Iowa, which is widely recognized as one of the premier insurance capital cities in the United States.

The 2012 Acquisition by Jackson National Life

In December 2012, Jackson National Life Insurance Company acquired REALIC from Swiss Re. The transaction added approximately 1.5 million policies to Jackson's administrative oversight. Shortly after the acquisition, REALIC was formally merged into Jackson National Life Insurance Company.

Because of this legal merger:

• Contract Integrity: The original policy terms, interest rate guarantees, premium schedules, and beneficiary designations written under Reassure policies remain legally binding.
• Legal Obligor: Jackson National Life Insurance Company assumed direct legal liability for all obligations previously held by Reassure America.
• NAIC Identification: The historic NAIC (National Association of Insurance Commissioners) group number for Reassure America (#68357) was absorbed into Jackson National Life Insurance Company's NAIC company code (#65056).

Policyholders can verify state insurance filings and financial solvency reports directly through the National Association of Insurance Commissioners.

Navigating Policy Administration in Des Moines, IA 50304

The ZIP code 50304 in Des Moines, Iowa, serves as a specialized post office box destination utilized for insurance transaction processing, document archiving, policy servicing, and claims intake. When sending certified documents, claim affidavits, or premium checks, policyholders must ensure they utilize the correct address formatted specifically for life administration operations.

Key Administrative Services Handled via Des Moines

The Des Moines policy service team processes routine and complex administrative requests for legacy Reassure policies, including:

1. Beneficiary Designations and Updates: Changing primary or contingent beneficiaries requires filing standard change forms with executed signatures.
2. Policy Ownership Transfers: Transferring ownership of a whole life or universal life policy to a trust, family member, or business entity.
3. Cash Value Loans and Withdrawals: Requesting policy loans against accumulated surrender value or submitting requests for partial cash withdrawals on universal life contracts.
4. Premium Payments and Billing: Adjusting automatic bank draft details (EFT), changing payment frequencies (monthly, quarterly, annually), or remitting direct check payments.
5. Death Benefit Claim Intake: Processing initial notifications of a policyholder's death, dispatching claim kits, and reviewing supporting documentation.

Servicing Address Formats

When corresponding with the administrative center in Des Moines, life insurance communications typically follow standardized P.O. Box routing:

• Mailing Address for General Policy Servicing: Jackson National Life Insurance Company / Reassure AdministrationP.O. Box 50304 (or designated P.O. Box block)Des Moines, IA 50304

• Express or Overnight Mail Delivery: Because overnight couriers (such as FedEx or UPS) cannot deliver directly to standard U.S. Postal Service P.O. Boxes, policyholders sending urgent legal documents or original death certificates should confirm the physical street address assigned to Jackson's customer service operations before shipping.

Step-by-Step Guide: How to File a Death Claim for a Reassure Policy

Filing a life insurance claim during a period of bereavement can feel overwhelming. Following a structured procedure helps ensure that death benefit proceeds are evaluated promptly and distributed to named beneficiaries without unnecessary administrative delays.

1. Step 1: Locate Policy & Identify Policy Number
2. Step 2: Contact Customer Service (Des Moines Servicing Unit)
3. Step 3: Obtain & Complete the Claimant's Statement
4. Step 4: Secure Certified Death Certificate (with cause of death)
5. Step 5: Submit Documentation to Des Moines, IA 50304
6. Step 6: Select Benefit Payment Method & Receive Payout

Step 1: Gather Initial Documentation

Before contacting customer service, assemble essential documentation:

• The original paper policy document (if available; note that losing the physical policy does not invalidate the coverage).
• The insured individual's full legal name, date of birth, Social Security number, and last known state of residence.
• The specific policy number assigned by Reassure America or Jackson National.

Step 2: Request an Official Claim Packet

Contact Jackson National's legacy life administration department handling Reassure policies to notify them of the insured's passing. The representative will verify the policy status and send out a Claimant’s Statement package.

Step 3: Complete the Claimant's Statement

Each named beneficiary must complete a separate Claimant’s Statement. This form requires:

• Taxpayer identification details (Social Security Number or ITIN) for tax reporting purposes.
• Selection of the preferred payout method (lump-sum check, direct electronic bank transfer, or structured settlement account).
• Certified signature of the beneficiary.

Step 4: Obtain Certified Copies of the Death Certificate

Insurers require an original or official certified copy of the death certificate issued by the vital statistics department of the state or county where the death occurred.

• Cause and Manner of Death: The death certificate must explicitly state the cause and manner of death (e.g., natural, accidental).
• Contestability Considerations: If the policy was issued or reinstated within two years prior to the insured's passing, the policy may be subject to a statutory contestability review under state law.

Step 5: Submit the Completed Packet

Mail the completed Claimant’s Statement along with the certified death certificate to the designated Des Moines administrative post office box. Utilizing tracked mail (such as USPS Certified Mail with Return Receipt Requested) provides proof of delivery.

Managing Legacy Policies: Loan Values, Surrender, and Conversions

Legacy whole life and universal life policies issued under the Reassure America umbrella often carry underlying cash accumulation values, guaranteed minimum interest rates, or conversion privileges.

Cash Value Loans and Borrowing Provisions

If your Reassure contract is a permanent life policy (such as whole life or universal life), it may have accumulated cash value. Policyholders can request cash loans collateralized by the policy's surrender value.

• Interest Rates: Policy loan interest rates are defined in the original contract provisions. Historical policies often feature fixed interest rates ranging between 5% and 8%, or variable rates linked to Moody’s Corporate Bond Yield Index.
• Impact on Death Benefit: Unpaid loan balances and accrued loan interest are automatically deducted from the ultimate death benefit payout if the insured passes away while a loan remains outstanding.

Term Life Conversions

If you hold a legacy Reassure term life insurance policy, check your contract for conversion rights. Many term policies allow the policyholder to convert the term coverage into a permanent life insurance contract without undergoing new medical underwriting or physical exams, provided the conversion is requested before the age or time limit specified in the policy.

Solvency, Guarantees, and Regulatory Protection

When dealing with legacy life insurance acquired through multiple corporate transactions, policyholders often express concern regarding company solvency and policy safety.

Financial Oversight by State Insurance Departments

Life insurance operations are regulated at the state level rather than the federal level. The Iowa Insurance Division maintains regulatory oversight over insurance operations domiciled or administered within Iowa. In addition, the state insurance department in the policyholder’s state of residence maintains jurisdiction over contract enforcement and consumer complaints.

State Guaranty Association Protections

In the event that an insurance carrier encounters severe financial impairment or insolvency, state life and health insurance guaranty associations step in to protect policyholders.

• Every U.S. state has a guaranty association organized under state statute.
• Information regarding policyholder coverage limits and regulatory protections can be reviewed via the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA).
• For life insurance death benefits, most state guaranty associations provide protection up to at least $300,000 in net cash surrender and death benefit claims per insured individual, with some states offering higher coverage caps.

How to Track Lost or Unclaimed Reassure Policies

Because Reassure America acquired policies from dozens of smaller insurance firms across several decades, many policyholders or heirs lose track of active or paid-up coverage. If you suspect a deceased relative held a Reassure life insurance policy but lack the policy number, follow these investigative steps:

1. Search NAIC's Life Insurance Policy Locator Service

The National Association of Insurance Commissioners operates a free public tool called the Life Insurance Policy Locator. When an inquiry is submitted, participating life insurance companies—including Jackson National—search their internal records to determine if an active or payable policy matches the deceased individual's details.

2. Search State Unclaimed Property Databases

If an insurance company is aware that an insured person has passed away but is unable to locate the designated beneficiaries, state law requires the company to escheat the unpaid death benefit proceeds to state custody as unclaimed property.

• Search nationwide records using the state-treasurer-endorsed network at MissingMoney.com.
• Conduct searches in every state where the deceased policyholder lived, worked, or maintained a mailing address.

3. Review Historical Bank and Tax Records

Examine historical bank statements, canceled checks, or income tax filings (such as IRS Form 1099-INT for interest earned on cash values) for recurring payments made to "Reassure America," "Swiss Re," "REALIC," or "Jackson National."

Overview Table: Reassure Policy Administration Reference

The table below outlines key operational entities, historical origins, servicing functions, and contact guidance for policyholders managing Reassure policies routed through Des Moines.

Frequently Asked Questions

Is Reassure Life Insurance Company still selling new life insurance policies?

No, Reassure America Life Insurance Company is no longer issuing new life insurance policies to the public. The entity operated as a closed-block carrier and was fully merged into Jackson National Life Insurance Company in December 2012. Existing policies remain active according to their original terms, but new coverage under the Reassure brand name cannot be purchased.

Why does my life insurance statement come from Jackson National instead of Reassure?

Your statement comes from Jackson National Life Insurance Company because Jackson acquired Reassure America Life Insurance Company from Swiss Re in 2012 and subsequently merged Reassure into Jackson's legal entity. Jackson National is now the legal insurer responsible for maintaining your policy and paying out future claims.

What should I do if I cannot find the original paper Reassure policy document?

Losing the original paper policy document does not cancel your coverage or prevent a beneficiary from collecting a death benefit. If you need a duplicate policy copy for your records, contact customer service to request one. When filing a claim, insurers generally require a completed Lost Policy Affidavit if the physical contract cannot be located.

How do I update my mailing address or beneficiary on a Reassure policy?

To update your mailing address, beneficiary, or premium billing arrangements, you must complete and submit official policy service request forms. These forms can be requested by calling Jackson National’s legacy policy customer service line or downloading them from Jackson's online portal. Mail completed, signed forms to the administration unit in Des Moines, IA 50304.

How can I determine the current cash surrender value of my Reassure policy?

You can determine your current cash surrender value by requesting an Annual Policy Statement or calling customer support for a policy illustration. The servicing unit in Des Moines will calculate the total accumulated cash value minus any outstanding policy loans, accrued loan interest, or surrender charges defined by your original policy schedule.

What happens if a life insurance claim is contested by the insurer?

If a claim is contested, it usually occurs because the death occurred within the statutory two-year contestability period following policy issuance or reinstatement, or because of material misrepresentations on the original application. If a claim is denied or contested, the insurer must provide a written explanation citing the specific policy language and evidence relied upon, at which point beneficiaries may consult state insurance regulators or legal counsel.

Actionable Next Steps for Policyholders and Beneficiaries

If you currently hold or are administering a Reassure America life insurance policy managed through Des Moines, IA 50304, complete the following steps to ensure your account is structured properly:

1. Verify Beneficiary Information: Review your policy's current primary and contingent beneficiary designations. Ensure that full legal names, dates of birth, and Social Security numbers are on file with Jackson National to prevent payout delays.
2. Store Policy Identifiers Securely: Keep a secure record of your policy number, current parent company name (Jackson National Life Insurance Company), and the administrative processing address in Des Moines alongside your primary estate planning documents.
3. Establish Digital Access: If available through Jackson National's customer platform, create an online account to track premium schedules, download tax forms, and review cash value balances electronically.
4. Notify Family Members: Inform your designated beneficiaries of the existence of the policy and provide them with instructions on contacting the servicing unit in Des Moines in the event of your passing.