How to Make a Claim on a Life Insurance Policy

Step‑by‑Step Claim Filing Process

To file a life insurance claim, first locate the policy document or log into the insurer's online portal to confirm the beneficiary designation and policy status. Then, notify the insurer within the time frame specified—usually within 30 days of the insured's death—by calling the claims department or submitting a written claim notice.

Gather Required Documentation

Compile the following items: a certified death certificate, the original policy or a copy, the beneficiary's contact information, and any forms the insurer provides. Some companies also request proof of identity and a completed claim application.

Submit the Claim

Send the documents via mail, fax, or through the insurer's secure online upload. Many carriers now offer digital claim submission to speed processing. Keep copies of everything sent and note the submission date.

Follow Up and Resolution

After submission, the insurer will review the claim and may contact the beneficiary for additional information. A typical review period is 4 to 6 weeks, though it can vary. Once approved, the payout will be issued as a check or direct deposit, depending on the beneficiary's preference.

Common Pitfalls to Avoid

Failing to update beneficiary information, missing the submission deadline, or providing incomplete paperwork can delay or deny a claim. Maintain accurate records and communicate promptly with the insurer to prevent setbacks.

When to Seek Assistance

If the claim is denied or the process stalls, consult a licensed insurance attorney or a state insurance commissioner for guidance. They can help interpret policy language and negotiate with the insurer.