After a loved one dies, filing the life insurance policy claim can be confusing and difficult but can relieve great financial burdens for your living family. Fortunately, the process is not difficult. Below is a checklist of steps to follow when the need comes to file a life insurance policy claim:
1.See if you can find the actual life insurance policy.
If you can great, go to step 2. If you cannot find the actual life insurance policy, try to find the life insurance agent or life insurance company that your loved one may have used. If you still cannot find any life insurance agent or life insurance policy information, don't stop there. You may still be able to find information on your loved one's life insurance policy by contacting the state insurance department in the current state or any previous states your loved one may have lived in.
2.Call the life insurance agent or life insurance company on the life insurance policy.
If you only know the life insurance company, they should be able to find your loved one's life insurance policy by their name and address.
3.Next, there will be some life insurance claim forms to fill out.
The forms are simple and the life insurance company or life insurance agent can help you complete them.
4.Send in the life insurance paperwork.
The last step to take in filing the claim is to send a certified copy of your loved one's death certificate with the life insurance claim forms to the life insurance company. It should take only a short period of time, anywhere from a few days to a couple of weeks, for your settlement to be issued.