How do I file a life insurance claim?

UPDATED: Aug 23, 2010

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UPDATED: Aug 23, 2010Fact Checked

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Asked August 23, 2010

1 Answer


In order to file a life insurance claim, you will need to have two important documents. The first document you will need is a copy of the insured person's death certificate, and the second is the policy number and/or access to the actual insurance policy. The insurance company will provide you with a claim form to fill out, and that should take of the claim unless there are further developments.

You can get a copy of the death certificate from the funeral director. Make several copies of this certificate because you will need it several times in closing out the affairs of the deceased. Policy information will have to come directly from the insured unless you have the necessary contact information for the policyholder's insurance agent or representing company.

Contact the insurance company, identify yourself, and explain your situation. This is an unfortunate but regularly procedure insurance companies must deal with, and they can answer all of your questions. If you know the insurance agent responsible for the policy, contact them regarding the claim. This can save you a great deal of aggravation during a trying period, and going through the agent can even speed the process along.

It is not a good idea to store a life insurance policy in a safe deposit box as it may be temporarily sealed when the person passes on. Instead, keep important papers regarding to settling your affairs in a home lockbox or metal file cabinet. This is not necessary for all important papers, just the ones that must be accessed to handle insurance claims and the deceased estate processing.

Answered August 23, 2010 by Anonymous

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