Claims support
We’re here to help you through this
Losing someone is hard enough. If you’re a beneficiary, we can help you understand the insurance company’s claims process, step by step.
What to do
Steps for beneficiaries
Contact US Insurance Advisors
Let us know about the loss. We can help identify the insurance company and explain what comes next.
Locate the policy
Find the policy number or any paperwork. If you can’t, we can help you contact the carrier.
Get certified copies of the death certificate
Request them from the funeral home or your state’s vital records office.
Complete carrier claim forms
The insurance company provides a claimant statement. We can help you understand it.
Submit required documentation
Send the forms and death certificate as the carrier instructs. Keep copies of everything.
Good to know
What to expect
- TimingClaims are usually processed once the carrier has all required paperwork; policies less than two years old may be reviewed more closely.
- Payment optionsCarriers may offer a lump sum or other settlement options.
- TaxesDeath benefits are generally not subject to federal income tax, but interest and estate matters may be. Consult a tax professional.
- Our roleWe help you navigate the process; the insurance company makes all claim decisions.