Cigna life insurance beneficiary form 2025

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What happens to life insurance with no beneficiaries? Most life insurance companies require you to name at least one beneficiary. If beneficiaries are not named, the life insurance proceeds can go to your estate. If you dont have a will, your estate, including the death benefit, may need to go through probate court.
These may include a certified copy of the death certificate, the policy document, and a completed beneficiary statement. In some cases, you may also need to provide additional documentation, such as proof of identity and relationship to the deceased.
Life insurance often goes directly to beneficiaries without becoming part of your estate. With life insurance, you can name one or more beneficiaries who receive a death benefit shortly after your death.
Payouts dont happen automatically But even if you do not have all the paperwork, as long as you know you are a beneficiary you should be able to begin the claims process if you have these three things: The name of the insurance company. The policy number. The insureds death certificate.
The application you fill out to apply for a life insurance policy will have an area where you are asked to write the name of your beneficiary (or names if you want more than one beneficiary). After the insurance company approves your policy and it goes into effect, your beneficiary is set.
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How to find out if youve been named a beneficiary Talk to your loved one while theyre still alive. Look through financial documents. Contact the life insurance company. Use a life insurance policy locator. Check with the policyholders state.

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