How to Claim Life Insurance After Death?
  • What is a death claim in Life Insurance?
  • How to claim?
  • What are the documents required?
How to Claim Life Insurance After Death?
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Term Insurance Plan for you.

Get upto 10% Online Discount*

Gender

Age

Understanding Death Claims in Life Insurance

Life insurance is a vital financial tool that provides a safety net for you and your loved ones. However, it is undoubtedly the most challenging experience to lose someone who we love. Amidst the emotional turmoil, you need to pay attention to practical matters, such as claims after death.

Let us understand how you can claim the amount after the death of a policyholder.

How to Claim Life Insurance After Death?

A death claim in life insurance refers to the process of filing documents with the insurance company after the policyholder passes away. The purpose of life insurance is to provide a financial benefit to the beneficiaries or nominees chosen by the policyholder upon their death. For a smooth transition during this difficult period, it is essential to be aware of the different steps that are involved in filing a life insurance claim after death.

Steps To Follow While Filing A Life Insurance Claim After Death

  • Notify the Insurance Company The first step for the beneficiaries is to inform the insurance company promptly about the demise of the policyholder. The insurer will guide you through the necessary procedure and provide the instructions you need for documenting the claim. You might need to share the details of the policyholder, policy number, full name, and date of death.
  • Gather Essential Documentation To initiate the death insurance claim, you need to gather a few documents, which include:
    • The original policy documents
    • The death certificate, that includes the cause and date of death.
    • The identification and address proof of nominee.
  • Completely fill out the claim form The claim form is the type of form provided by the company that has to be filled by the beneficiary. It serves as a formal request for the insurance payout. You need to fill out the required information about the policyholder, beneficiaries, and the circumstances surrounding the death. Make sure to fill it out accurately to avoid delays in the process.
  • Submit the Claim When you have gathered all the necessary documents and completed the form, submit the package to the insurance company.
  • Review and Verification This step is for the insurance company, they will review the submitted documents and verify them thoroughly. The insurer will also assess the validity of the policy and check for any outstanding premiums or loans against the policy.
  • Payouts Once your claim is approved, after the necessary verification, the insurance company will give you the payout against the death benefits.

Conclusion

Death claims in life insurance can be a critical aspect of financial planning for loved ones. Understanding the process involved in filing the life insurance claim after the demise is essential for both the policyholder and the beneficiaries.

How to Claim Life Insurance After Death?: FAQ's

1. What is the process of life insurance after death?

You need to submit a certified copy of the death certificate with the policy claim. Your claim is submitted, and a settlement will be issued to you shortly.

2. How long after death can I claim insurance?

There is no specific time limit for the beneficiaries to file a claim for life insurance. However, it is suggested to file for claim as soon as possible.

3. How to claim life insurance after a natural death?

Inform the insurance provider as soon as possible about the demise of the policyholder. Fill out the form and you can pick up the claim.

4. Is post-mortem compulsory to claim insurance?

Post-mortem is required in the case of unnatural death.

5. Which insurance gives more money after death?

Life insurance with death benefits is the one that provides financial support to your beneficiary after demise.

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

Life Insurance Articles

Life Insurance FAQs

Life Insurance FAQsSeptember, 2021

What Our Customers Have to Say

Customer Review Image

Sanjeev

Hyderabad

May 20, 2024

SUD Life term plan truly stands out my expectations as I got SUD Life term plan along with additional riders at very affordable premiums.

Customer Review Image

Sumit

Coimbatore

May 20, 2024

I am impresses with the hassle free and quick claim settlement process of SUD Life. Thanks to PolicyX who guided me to get my claim settled.

Customer Review Image

Barkha

Delhi

May 20, 2024

Bought SUD Life Family Income Benefit Rider plan to secure the future of my plan financially even in my absence.

Customer Review Image

Geetanjali

Kolkata

May 20, 2024

I was looking for a term plan to secure the future of my family. So I contacted PolicyX and one of their representatives Mr. Vaibhav helped me choose SUD Life term plan.

Customer Review Image

Armaan khan

Agra

May 17, 2024

I recently purchased a Pramerica term insurance policy from Policyx.com. The customer service team was very helpful in answering all my queries and guiding me through the application process. I...

Customer Review Image

Rahul Yadav

Indore

May 17, 2024

PolicyX’s dedicated support made renewing my Bandhan Life Insurance policy easy. I’m absolutely delighted with the service offered by PolicyX Insurance Advisor.

Customer Review Image

Priyanshu Sharma

Delhi

May 17, 2024

I bought a Bandhan Life Insurance through PolicyX, and I must say the level of communication and assistance I have received has been truly impressive.

Customer Review Image

Yash Tomar

Bhopal

May 17, 2024

After getting advice from the PolicyX experts, I chose a Bandhan Life Insurance term plan. Thank you, PolicyX, for helping me buy a term plan at such a low premium.

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.