Filing a Claim with AIG Life Insurance
When a policyholder or beneficiary needs to file a claim with AIG, the first step is to gather the original policy, a death certificate, and any medical records that support the cause of death. AIG requires a completed claim form, which can be downloaded from the company's website or requested by phone. The form must be signed by the beneficiary and the policy's authorized representative.
More from this site
Keep reading the latest coverage
Submitting the Claim
Claims can be submitted online through AIG's secure portal or mailed to the claims department. If you choose mail, use a traceable service and keep copies of all documents. After submission, AIG assigns a claims adjuster who reviews the paperwork and may request additional evidence or a medical exam.
Typical Review Timeline
From the date the adjuster receives the complete file, the review process usually takes 30 to 45 days, though this can vary with policy complexity and documentation gaps. AIG sends periodic updates by email or mail, and beneficiaries can contact the claims office to inquire about status.
Common Issues That Delay Payouts
- Missing or incomplete death certificates
- Unverified cause of death
- Outstanding policy payments or unpaid premiums
- Discrepancies between beneficiary designation and claim form
Tips to Expedite the Process
Provide a fully completed claim form with all attachments in a single submission. Keep a detailed record of all correspondence and follow up every 10–14 days. If the cause of death is contested, supply a doctor's statement or hospital record promptly. AIG's claims portal also allows beneficiaries to upload documents directly, which reduces processing time.
Understanding the Payout
Once approved, the payout is issued as a lump‑sum check or direct deposit. The amount reflects the death benefit minus any outstanding loans or policy fees. Beneficiaries should verify the calculation on the settlement statement before accepting the payment.
Where to Find More Help
For additional guidance, consult AIG's online FAQ, the customer service center, or a licensed insurance broker who can review the policy and claim documents before submission.