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.
Fill out our online form or reach out to us at
Complete a few forms, and send them back with any required documents.*
We’ll review or submit your claim and keep you informed.
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.
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.
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.
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.
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.
If you think your loved one had a life insurance policy but aren’t quite sure, you can check the Life Policy Locator.