Steps to Follow

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Call the company as quickly as possible to notify them of the death so they will not draft the next premium. The company will email, fax, or mail the claim forms to the beneficiaries. Be prepared to have the date of death, cause of death, and current beneficiary address and phone number.

Once you receive the claim forms, fill them out and sign it. Depending on the company you may need the original Death Certificate or a photocopy of it. The company might also ask for the original policy, which you can say is lost or you will destroy it so you won't have to send it. 

Each beneficiary must fill out their own claim forms, so make sure to make a copy of the blank forms. The claim forms and death certificate must be sent at the same time and both beneficiaries may send at the same time using only one death certificate.

Follow the instructions provided as each company is different. 

The claim address below may change so always ask the company to verify where to mail the claim forms.

You should be able to receive your payment within 2 to 3 weeks. For policies that are in the contestable period (mainly less than 2 years, depending on the company), payments may take longer due to the company having to get all the medical records for the cause of death.

In circumstances where the second beneficiary doesn't want to receive the benefit (due to having disability income), he can disclaim it and the rest will be sent to the other beneficiaries. Write a letter and include a copy of the ID or driver's license. Download the form for an example.