Wondering how to file an insurance claim? Death is hard, and worrying about paperwork may be the last thing people want to do. In some instances, the beneficiary may be unaware of how to file an insurance claim. If you are the beneficiary, remember to disclose all information and exercise your common sense when you file your life insurance claims.
How to File an Insurance Claim
When the original policy is on file or in hand, the claims process tends to go by faster. If the policy is missing, however, you must generally have to obtain the details from the insurance company. Details of life insurance claims may include the name of the policyholder, the policy number, and the date of issuance of the policy. After you get the policy, you may want to try to find the agent who sold it to the policy holder. Fill out the claims form as the beneficiary. You may generally have to provide details such as the date, place, and cause of death. To learn more, please read the article “Unclaimed Life Insurance: Why it Matters.”
Learn how to file an insurance claim. You may have to share documents such as the death certificate and the doctor statement and in the case of an accident, you may want to bring in the police report and a post-mortem report. You typically would have to prove your identity with a photo ID as the beneficiary. The beneficiary generally must also show that the policy was in force when the policyholder passed away.
For instance, when the premium is not paid, the insurance company typically will not process the claim. If the policyholder outlives term insurance, he or she may not typically get any cash value back. Different steps may be applied for other different life insurance policies.
