File a life insurance claim

If the total benefit amount of the policy is $15,000 or less:

The claim may be eligible for expedited processing. A member of our claims team will contact the beneficiary within 24 hours to authenticate the beneficiary identity and discuss information we will need to process the claim.

Payment by check is sent within 5 business days after we receive proof of death. Please allow 3 to 5 days for the check to arrive by mail.

If the total benefit amount of the policy is greater than $15,000:

A claims packet is sent to all beneficiaries within 5 business days of the initial notification. The packet will include all of the forms and information you will need to file your claim. The claims packet is sent by mail or email, depending on your preferred method of communication.

For most claims, we will review and process the claim within 5 business days once all requirements are received in good order. Please note that some claims require an investigation so may take longer to review.

See Claims requiring an investigation for additional information.

Payment is made according to instructions provided by the beneficiary. Please allow 3 to 5 days’ mailing time for check payments.

If anything is missing or incomplete that may delay processing, we will notify you within 5 business days and follow up as needed regarding outstanding issues which must be resolved for the claim to be paid.

To protect your privacy, we only communicate with the beneficiary (or beneficiaries), the beneficiary’s attorney, the servicing agent, or the funeral home (only for claims where benefits are assigned to the funeral home).