As long as the policy was in force at the time of the insureds death you can place a claim. Simply contact the agent who will be happy to assist you or contact the claim department directly at the insurance company.
when a policy holder dies within the two years of policy it is considered as a early death claim
Policy Claim or Claim of Policy(Apex)
Yes do I file a claim on line or how?
Copy of the policy, or at least its policy number; and proof of death.
Every life insurer has seperate death claim cell. In case of death claim, the incharge of the cell has to be contacted for the needful.
If a decedent was the owner of a life insurance policy you may need to probate their estate in order for ownership of the policy to pass to the heirs. You need to contact the insurance company listed on the policy and inquire there about changing the ownership.
I need to report my father's death and collect on his life insurance policy.
It is mandatory to submit the original policy bond along with other claim papers both in death and maturity claims.
Sure, if the policy is still in force and a claim was never made on the policy before. It is surprising that no one had filed the claim before. Just because you found an old life insurance policy in a box doesn't mean it wasn't claim previously. The executor of the estate would have had the obligation to search records and files and make claims on any active life insurance policies. Even if they didn't have the policy, they could have signed a proof of lost policy form and filed the claim on the policy after death. It's worth checking with the company for to make sure. If it is still active they will pay interest in addition to the death benefits.
Generally the claim has to be lodged on the branch of the life insurer which issued the policy bond, be it maturity or death claim as the case may be.
it depends on the policy - you need to read it and see what it says.