Losing a loved one is incredibly hard and dealing with their life insurance may seem like yet another issue you’re not ready to tackle, especially when many people aren't actually aware of how to make a life insurance claim. It’s good to note that there is no time limit on making a claim, but when you're ready, we’re here to guide you through the process and make it as simple as possible.
What You Will Need To Claim
- The death certificate
- A claim form
- The insurer’s and policy details
Step 1: Give the Servicing Agent a Call
Step 2: Obtain the Death Certificate
Death certificates are available from the funeral director and will be necessary to make a claim. If the insurer asks for the cause of death, it can be found on the back of the certificate. It is usually worth getting multiple copies as these can be useful at several points down the line.
Step 3: Fill in the Claim Form
You will need to fill in a claim form provided by the insurer, either physically or online. The servicing agent can help you with this should you need it.
What If I Don’t Know The Policy Details?
It isn’t unusual for information or documents to get lost in the aftermath of a death, and that’s if your loved one passed on any details of their cover in the first place. If this happens, it may be worth checking bank statements of the deceased to find out which insurer to contact. They should be able to help you from there, even without a policy number. (However, in some instances the mandate will display a policy number).