How Do I File a Life Insurance Claim?

Filing a life insurance claim doesn’t have to be difficult, but a little bit of preparation can make the job much easier.

One of the most important preparations is to obtain several copies of the death certificate for the life insurance policyholder. This will make it easier to fill out the paperwork and get the process underway.

Once those documents are in hand the next step is to contact the life insurance agent or insurance company and inform them of the death of the insured person. Make sure you have the policy number form the life insurance policy available.

The insurance agent can help the family members fill out the required paperwork and get the life insurance benefits they deserve.

The insurance agent can also help those family members determine which type of benefit payment is the most appropriate for their situation and needs.

Some life insurance policies may offer beneficiaries a choice of payments – including lump sum payments and regular monthly payments. Once the insurance company receives all necessary paperwork, they will usually send out a check to the beneficiary within 7 to 10 days.