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Theres usually no time limit to file a claim for a life insurance policys death benefit. Unless the insurance policy has specific language outlining the time period during which a beneficiary can make a claim, its up to you to decide when you want to start the claims process.
How to file a claim on a life insurance policy Find the policy or contact the insurer. Find the insureds life insurance policy, which will have the insurance companys contact information and claim instructions. Gather the required documentation and complete the claim form. Choose your payout type. Submit your claim.
Most beneficiary designations will require you to provide a persons full legal name and their relationship to you (spouse, child, mother, etc.). Some beneficiary designations also include information like mailing address, email, phone number, date of birth and Social Security number.
To file a claim, the beneficiary will need to notify the insurance companys claims department. The claims department then sends a form for the beneficiary to complete and return along with the policy and a certified copy of the insureds death certificate.
Can I take a withdrawal from my insurance certificate? Depending on the type of certificate you hold, you may be able to withdraw cash value from it in the form of a loan or partial surrender. To determine if you are eligible, please contact our Service Center at 1 800 828 1540.
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Give us a call You can call our toll-free claims number at 1 800 828 1540 to inform us of the death of your loved one and to start the claims process. Our hours of operation are 9 a.m. to 6 p.m. ET, from Monday to Friday.
A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. You can name: One person. Two or more people. The trustee of a trust youve set up.
How to file a claim on a life insurance policy Find the policy or contact the insurer. Find the insureds life insurance policy, which will have the insurance companys contact information and claim instructions. Gather the required documentation and complete the claim form. Choose your payout type. Submit your claim.

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