How to File a Life Insurance Claim: A Step-by-Step Guide
Filing a life insurance claim is something no one wants to think about, but knowing what to expect can make a hard time a little easier. The process is more straightforward than most people realize. Here is exactly what to do.
When should you file a claim?
File as soon as you are ready after the policyholder passes away. Most policies have no hard deadline, but it is best to start within a few weeks. The sooner you file, the sooner your family receives the funds they need.
To file, you need to know a policy exists and which company issued it. That is why it is so important to tell your beneficiaries about your policy and where to find the documents.
Step-by-step claims process
Locate the policy
Find the original policy document or the policy number. If you cannot find it, contact the insurer directly, as they can often look up policies by the insured's name and Social Security number.
Contact the insurance company
Call the carrier's claims department, using the number on the policy or their website, and let them know you are filing a death claim. They will guide you through their process.
Request and complete a claim form
The carrier will send a claimant's statement. Complete it fully and accurately, since incomplete forms are the most common cause of delays.
Gather the required documents
You will need a certified death certificate, usually more than one copy, the completed claim form, and possibly the original policy. See the full list below.
Submit everything
Send the documents to the carrier. Most accept mail, fax, or digital submission. Keep copies of everything you send.
Receive the payout
Most carriers process claims within about 30 days of receiving complete documentation. Payment is usually by check or direct deposit, and it is generally income tax free to the beneficiary.
Documents you'll need
Having these ready helps the claim go smoothly:
- Certified death certificate. Get several copies from the county or state. Most carriers require an original certified copy, not a photocopy.
- Completed claimant statement. Provided by the insurance company. Fill it out completely and sign it.
- Original policy document. If available. Not always required, but helpful to have.
- Beneficiary ID. A government-issued photo ID for the person filing the claim.
- Bank information. If you are requesting direct deposit of the death benefit.
What can delay or complicate a claim?
- Death within the contestability period. Most policies have a 2-year contestability period, during which the insurer can review the claim for misrepresentation on the original application.
- Suicide clause. Many policies do not pay the full death benefit if death is by suicide within the first two years, often returning premiums instead.
- Outdated beneficiary designations. If the named beneficiary has passed away and no contingent beneficiary was named, the claim may need to go through probate.
- Missing or incomplete documentation. The most common and most avoidable cause of delays.
How Eterna can help
If a loved one had a policy through Eterna, your agent can help guide you through the claims process. We can help you locate the policy, contact the carrier, gather the right documents, and follow up on your behalf. You do not have to navigate this alone.
Next steps
The best thing you can do for your family right now is make sure they know your policy exists, where to find it, and who to call. To set that up well, read understanding beneficiaries.
Common questions
How do I file a life insurance claim?
What documents do I need to file a claim?
How long does a life insurance claim take?
Is a life insurance payout taxable?
We're Here When It Matters Most
If a loved one had a policy through Eterna, a licensed agent can support your family through the claims process, every step of the way. No pressure, just help when you need it.
Learn More with a Licensed AgentThis article is educational and is not financial, tax, or legal advice. Claims requirements, processing times, and policy provisions such as contestability and exclusions vary by carrier, policy, and state. Tax treatment of a death benefit is general and can vary by situation. For a specific claim, follow the issuing carrier's instructions and speak with a licensed professional. Eterna Insurance Solutions is licensed in all 50 states.