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No. You don't have to have the original policy in order to file a claim. Insurance companies have a lost policy form that covers the situation where your original policy is not available. This also occurs when you need to make a change or do anything else on your policy. You can always request a copy of your policy from the insurance company if you can't locate yours.

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Q: Are the priginal documents necessary to claim on a life insurance policy or are copies okay?
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