Losing a loved one is incredibly difficult, and handling financial matters during that time can feel overwhelming. Fortunately, filing a life insurance claim is a straightforward process when you know what steps to take and what documents you’ll need. The goal of life insurance is to provide financial support after a loss — and this guide will help you access that support as smoothly and quickly as possible.
Here’s everything you need to know to file a life insurance claim successfully.
Step 1: Gather Essential Documents
Before contacting the insurer, collect the key documents required for the claim:
• A certified copy of the death certificate (usually required by all insurers)
• The life insurance policy number
• Your personal identification
• Proof of relationship, if applicable
• Any additional forms required by the insurer
Most insurance companies need only the death certificate and claim form to begin processing.
Step 2: Contact the Life Insurance Company
Reach out to the insurer as soon as you feel ready. You can notify them through:
• Phone
• Email
• Online claim portal
• The policyholder’s insurance agent
The insurer will then provide instructions and send you the necessary claim paperwork.
Step 3: Complete the Claim Form (Claimant’s Statement)
This form asks for details such as:
• Your name and contact information
• Your relationship to the deceased
• The policy number
• The cause and date of death
• Payment method preference
Fill out the form accurately to avoid delays. If you are one of several beneficiaries, each person typically completes their own claimant statement.
Step 4: Submit Required Documentation
Send the insurer:
• The completed claim form
• A certified death certificate
• Any additional documents they request
Most companies allow submission by mail, email, or secure upload. Keep copies of everything you submit.
Step 5: Choose How You Want to Receive the Benefit
Life insurance payouts (known as the death benefit) can be paid in several ways:
• Lump-sum payment — the most common option
• Installments — spread over a set period
• Retained asset account — funds held in an interest-bearing account
• Annuity — long-term monthly payments
A lump-sum payment is usually best for immediate financial needs, but choose the method that aligns with your financial plans.
Step 6: Work With the Claims Examiner
Once your claim is submitted, the insurer assigns a claims examiner to review it. They will:
• Confirm policy coverage
• Review documents you submit
• Validate beneficiary information
• Assess whether additional documentation is needed
Respond promptly to any requests from the examiner to keep the process moving.
Step 7: Allow Time for Processing
Most life insurance claims are processed within:
• 7–14 days for straightforward cases
• 30 days or more if the claim involves complex circumstances
Delays may occur if:
• The policy is new (within two years) and subject to contestability
• The cause of death requires additional review
• Beneficiary information needs clarification
If the insurer needs more information, don’t panic — it’s standard procedure.
Step 8: Receive Your Benefit
Once approved, the insurer will issue payment via your chosen method. Keep in mind:
• Life insurance payouts are generally not taxable
• Funds can be used for any purpose (funeral costs, debt payoff, living expenses, etc.)
• If the policy includes accidental death or additional riders, payouts may be higher
Review your payment details carefully and store documentation securely.
Step 9: Notify Other Relevant Organizations
After receiving the benefit, you may need to:
• Contact banks, mortgage companies, or lenders
• Notify Social Security (if applicable)
• Update beneficiaries on your own insurance or retirement accounts
• Work with a financial advisor to manage the benefit
Proper follow-up protects you financially long-term.
Common Mistakes to Avoid
• Not submitting an official death certificate
• Overlooking duplicate or old policies
• Forgetting to check employer-sponsored life insurance
• Providing incomplete beneficiary information
• Delaying claim submission for too long
• Not asking questions about payout options
Avoiding these mistakes can significantly speed up the claim process.
Tips for Filing a Life Insurance Claim Smoothly
• Keep the policy and beneficiary records accessible
• Request multiple certified death certificates
• Make digital copies of all submitted documents
• Review your own life insurance annually to ensure your beneficiaries stay updated
• Ask the insurance company or agent for help anytime clarification is needed
A little organization goes a long way in ensuring a stress-free claims experience.