How to file a claim Arc

In times like these, financial matters may be the last thing on your mind. That’s why we’ve designed our claims process to be as simple as possible — so you can focus on what matters most.

Claim Icon

1. Notify us

Fill out our online form or reach out to us at

Claim Icon

2. Provide additional details

Complete a few forms, and send them back with any required documents.*

Claim Icon

3. Have your claim processed

We’ll review or submit your claim and keep you informed.

*Claims can only be filed by the beneficiary(ies) of record or their legal representative.


What can I expect during the claims process?

Once completed claim forms and any additional documents have been received, the insurance carrier will review the claim and we or they may contact you to request additional documentation if necessary.

How is the payout distributed?

In the event of the insured’s death within the term of their policy, the beneficiary(ies) of the policy will receive the death benefit once the claim is approved. The life insurance benefit is distributed to the beneficiary(ies) in one lump sum.

Is the death benefit taxable?

Generally, the death benefit is not subject to federal taxes. Here's the IRS language: "Generally, life insurance proceeds you receive as a beneficiary due to the death of the insured person aren't includable in gross income and you don't have to report them." Any interest you receive, however, will be taxable.

What documents will I need to provide?

You’ll need to provide the completed claim forms and the insured’s certified death certificate with the determined cause of death. Other documents may be requested as well.

How long does the process take?

Unfortunately, we can’t give an exact timeframe for how long the process will take. The length of the process varies based on the complexity of each individual’s situation.

How do I know if my loved one had a life insurance policy?

If you think your loved one had a life insurance policy but aren’t quite sure, you can check the Life Policy Locator.