I'm trying to figure out how to send a document to an insurance company to collect on a life insurance policy

Question

as a beneficiary?? For a legal class? Do I just write as a demand letter or is there a specific document? I am in minnesota

Answer 1

You should call their customer service line and advise them. They will immediately send you a letter along with their claim form and the letter will advise you of any other requirements they need, such as a death certificate. If the death occurred within 2 years of the contract being taken out, they may want more information than if it was an older contract. The best thing is to speak with one of their representatives so you don't end up sending in paperwork that doesn't meet the requirements and then you end up wasting time. They are governed by regulations which gives them time limits on how quickly they must respond to and pay out claims, and they do want to exceed the expectations of the law when it comes to death claims. I am sorry for your loss.

Answer 2

Just call them. Some will send you whatever you need,. Others may refer you to a local agent.

You must have a death certificate. Often, that's all you need,
My father died in Dec. With one co, they said,
just send the death certificate, ' Which I did.
With another, I took the death cert to a local agent who did the rest. For a third, I called them they mailed me a few forms, I had to have the claim form notarized., then mail it back. . .
In each case I received the money in a week or two.

The letter I wrote was, basically, Dear Jim.,
Per our conversation I am enclosinga copy of the death certificate. Thanks for your help.
Now,if there is a large amount involved, or other questions or problems , like multiple beneficiaries, there may be something more, but for me, there was nothing to it.

Answer 3

I am sure you will need a certified copy of the death certificate eventually. You need to contact the insurance company and ask them for their protocol for collecting on a policy. You will need to prove your identity as the beneficiary as well as furnish proof that the insured is deceased.

Answer 4

First you call them, and get the claims address, then they send you a claim form, then you fill it out and attach a certificed copy of the death certificate, and mail it to them at the claims address. USPS is just fine.

btw, you don't know for SURE who the beneficiary is, until the check comes.