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A claim can be rejected if the policyholder stopped paying premiums, lied on their application, died by suicide within the first few years of the policy, or died while committing a crime.
Insurers deny the death benefit on life insurance claims for reasons of policy delinquency, material misrepresentation, contestable circumstances and documentation failure.
Beneficiaries file a death claim with the insurance company by submitting a certified copy of the death certificate. Many states allow insurers 30 days to review the claim, after which they can pay it out, deny it, or ask for additional information. If a company denies your claim, it generally provides a reason why.
Life Insurance Claim Process Call 1-844-452-3832. For Variable Universal Life policies only: Call 1-800-340-2765. Call 800-633-6259. Call 1-800-888-2452.
Lump sum benefit is paid into the trustees' bank account within five working days. Trustees can instruct us to pay benefits directly into a beneficiary's bank account on completion of a 'Trustee instruction to pay beneficiary form'.

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How To Make a Claim - Life Filled-up claim form (provided by the insurance company) Certificate of death. Policy document. Deeds of assignments/ re-assignments if any. Legal evidence of title, if the policy is not assigned or nominated. Form of discharge executed and witnessed.
To make a life insurance claim, submit a claim form and death certificate to the insurance company. You may be asked to verify your identity.
To make a life insurance claim, submit a claim form and death certificate to the insurance company. You may be asked to verify your identity.
First Notice of Loss Telephone #800-551-0824Fax #866-893-5984Email (New Losses)ah.customer.service@aig.comFor Claims DocumentationAHCLMSWorklist@aig.com AIG Attn: Accident & Health Po Box 25987 Shawnee Mission, KS 66225
Death certificate and all supporting documents. Proof of death is necessary when filing a life insurance claim. You will need a certified copy of the death certificate, a police report, a toxicology report, an autopsy report, a coroner's report, a medical examiner's report, and in some cases, medical records.

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