Claims Filing

Unclaimed life insurance benefits

To ensure that your life insurance benefits do not go unclaimed it is important to understand why this might happen. Here is a review of five of the most common reasons.

How do I file a life insurance claim?

To begin the claims process:

  • Get several copies of the death certificate.
  • Call your insurance agent. He or she can help you fill out the necessary forms and act as an intermediary with the insurance company. (Don’t keep life insurance policies in your safe deposit box. In most states, safe deposit boxes are sealed temporarily upon the death of the owner, which can delay the settlement. ) If you don’t have an insurance agent, or don’t know who the deceased's agent was, contact the company directly.