To collect on a life insurance policy do you have to have the death certificate with the cause of death or can you use a death certificate that does not have the cause of death?
A death certificate with the cause of death is usually required on life insurance policies. It depends on the insurance company, the type of policy and what its terms are. An insurance company will most likely require a death certificate with the cause of death, because the cause of death is important in all life insurance claims. If the policy is one for accidental death benefits only, the company is entitled to know and the beneficiary has to prove that death was accidental. An insurer is entitled to know whether death occurred as a result of suicide, which might not be covered by a standard life insurance policy. Also, an insurance company is entitled to know if the death was a homicide that the beneficiary had something to do with, because that would render the beneficiary ineligible to collect benefits.