PROOF OF DEATH FORM - Unified Life Insurance Company 2025

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Life insurance companies typically do not know when a policyholder dies until they are informed of his or her death, usually by the policys beneficiary. Even if a policy is in a premium-paying stage and the payments stop, the insurance company has no reason to assume that the insured has died.
United Life became a proud member of the Kuvare family of companies in 2018. Kuvare is a life and annuity business focused on delivering value-oriented solutions to the middle market through its subsidiaries.
If your insurer claims that you provided insufficient evidence, you might be able to remedy the denied claim simply by providing additional evidence police reports, medical reports, autopsy reports, or other related documentation.
0:21 1:40 Its a serious offense that can result in criminal charges fines. And even imprisonment inMoreIts a serious offense that can result in criminal charges fines. And even imprisonment in conclusion a death certificate is necessary to collect life insurance.
Many states require insurance companies to check the Social Security Master Death File for deceased policy holders and to try to notify their beneficiaries when they find a policyholder on that list.
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Contact your insurer As uncomfortable as it may be, as a relative, spouse, or executor of the estate, you need to let the insurance company know that a or the sole policyholder has passed. Most companies give you about 30 days to do this, and many accept a phone call as notification.
Upon receipt of a written proof of loss, the insurer must pay death claims immediately. (Most states interpret this to be within 30 days.) If there is no beneficiary named in the policy, the death proceeds are paid to the estate of the insured.
The catch is that theres no automatic process that tells them about policyholder deaths. Usually, the way the insurance company finds out the policyholder has died, and that the policy needs to be paid, is from the beneficiaries or other family members.

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