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In certain cases, the life insurer may require that you submit a police report or other accident report, an autopsy report, a medical authorization form, or other supporting documents.

If you cannot locate the policy, that’s okay. To file your claim, you will need the insured’s death certificate, the claim forms, and a copy of the policy if you have it. This will assist a life insurance lawyer in evaluating your denied life insurance claim. Always Always ALWAYS file your claim and get a written explanation of the denial. Do not let the insurance company deter you from filing a claim. This could occur for several reasons, but most commonly because the life insurance company claims you are not the designated beneficiary, the policy has allegedly lapsed for nonpayment, or it has not yet taken effect.

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If, for any reason, you are told that you are not entitled to claim the life insurance benefit, submit your request for the claim forms in writing or download the forms from the company’s website, if possible. You can also download the forms from most insurance company websites. Either way, you should request that the appropriate claim forms be sent by mail. The employer may instruct you to contact the life insurer directly, or it may submit the claim on your behalf. If the life insurance benefit was obtained through the insured’s employment, contact the employer for claim instructions. First, contact the life insurance company immediately, and notify it that the insured has passed away. To protect yourself from the beginning, you should keep a few things in mind. It’s a win-win for the life insurance company when a beneficiary gives up on a denied life insurance claim. A large percentage of denied life insurance claims are wrongful, and many of those claims are never disputed. Sadly, life insurance is a business, and life insurers maximize their profits by denying as many claims as possible. Like with any insurance contract, there are complicated provisions and exclusions in life insurance policies, and applicable state and federal laws that can interfere with an anticipated claim payment. The purpose of having a life insurance policy is to ensure that the designated beneficiary receives a specified amount of money upon the death of the insured. Many people don’t even know that life insurance companies can deny a life insurance claim. Unfortunately, though, more than 5,000 life insurance claims are denied every year in the U.S., sometimes leaving the beneficiary responsible for paying the funeral bill. This is done by signing a document which assigns an amount of the life insurance benefit sufficient to satisfy the funeral home bill, after which the remainder of the proceeds, if any, will be paid to the beneficiary. Now what?įortunately, most funeral services can proceed through an assignment of the life insurance benefit to the funeral home. You call the life insurance company and are told that it could take 30-60 days to investigate the claim. Maybe you even need the life insurance benefit to pay for the funeral. The last thing you want to worry about is how best to deal with the life insurance company’s claims process. You’ve recently lost a loved one, you’re overwhelmed with sadness, with the tasks of preparing for the burial service, handling the deceased’s final affairs, and now you have to file a life insurance claim.

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