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Death claim
Death Claims Filing Guide
Learn how to properly file death claims with step-by-step instructions
Death Claims
A Death Claim is the most fundamental insurance claim. It is a request for the payment of the sum assured (the policy's face value) and any accrued bonuses to the beneficiaries of a life insurance policy upon the death of the insured person.
How it works: The beneficiaries (nominees) named in the policy must notify the insurance company of the policyholder's death and submit required documents, such as a death certificate, the original policy document, and a completed claim form.
Purpose: To provide financial security and support to the deceased's family or dependents, helping them cover living expenses, debts, funeral costs, and future needs.
Key Point: Most policies have a contestability period (usually 1-2 years). If death occurs due to suicide or misrepresentation of facts within this period, the claim may be denied or only premiums refunded.
Filing a claim after the passing of the insured policyholder.
How to File a Death Claim
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Notification – Inform the insurance company as soon as possible following the death of the insured. Most policies require notification within a specific timeframe.
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Documentation – Submit the required documents:
- Original policy document
- Certified copy of death certificate
- Completed claim form
- Identification of claimant and deceased
- Any additional forms required by the insurer -
Verification – The insurer verifies the documents and may investigate if the death occurred during the contestability period (typically first 2 years of the policy).
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Settlement – Once approved, the death benefit is paid to the named beneficiaries either as a lump sum or structured settlement.
Important Note
Most policies have a contestability period (usually 1-2 years) where the insurer may investigate claims more thoroughly and could deny claims based on misrepresentation.
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