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Forms and Documents Needed to Process a Claim

Claimant’s Statement: Required for most claims; not required for expedited processing. Each beneficiary must complete and submit a statement. Provided in claims packet.

Original or copy of policy (if available): If the policy is not available, please note this on the top of the Claimant’s Statement.

Documentation required as Proof of Death:?Required for all claims. The document required varies depending on the dollar amount of the benefit payment or circumstances of death, see table below. The required form of proof will be indicated in the claims packet sent to the beneficiary. Note: Only one proof of death is required for the deceased, even when there are multiple claimants and/or policies.

Proof of Death Requirements By Claim Type and Amount?

Total Benefit Amount for Policy

$15,000 or less

Claim Type

Natural death

Date of death is 2 or more years afterpolicy issue or reinstatement date

Death occurred within United States, Canada or U.S. territories (Puerto Rico, Guam, American Samoa, U.S. Virgin Islands)

Documentation Required

Any one of the following:

Total Benefit Amount for Policy

$15,001- $50,000

Claim Type

Natural death

Date of death is 2 or more years?after?policy issue or reinstatement date

Death occurred within United States, Canada or U.S. territories (Puerto Rico, Guam, American Samoa, U.S. Virgin Islands)

Documentation Required

Total Benefit Amount for Policy

$50,000 - $100,000

Claim Type

Natural death or suicide

Date of death is 2 years?after?policy issue or reinstatement date

Death occurred within United States, Canada or U.S. territories (Puerto Rico, Guam, American Samoa, U.S. Virgin Islands)

Documentation Required

  • Copy of Death Certificate 1,2

Total Benefit Amount for Policy

Greater than $100,000

Claim Type

Homicide

Date of death is?within?2 years of policy issue or reinstatement date

Foreign death (occurred outside of United States, Canada or U.S. territories - Puerto Rico, Guam, American Samoa, U.S. Virgin Islands)

Accidental death (only if claiming benefits for policy with Accidental Death Benefits Rider)

Documentation Required

  • Certified copy of Death Certificate 1,2,3

Note: The death certificate cannot be returned.

1 We cannot accept a death certificate where the cause of death is “pending.”
2 For deaths in Florida, the death certificate must be the long version which includes the cause of death.
3?For foreign deaths, certified death certificate from country where death occurred, translated into English.

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