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All insurance companies require a claim form, the policy, a IRS W-9 form and a certified copy of the death certificate. Generally, the claim form will have to be "signature guaranteed" (to prove the claimant is who they say they are. If you don't have the original policy, you send a "lost policy affidavit" instead.

In some states, insurance companies aren't allowed to pay benefits unless they get a form from the probate court, if the deceased lived in one of those states, that form would also be required.

If the beneficiary is contingent (for example, "to my wife, if she survives me and to my children equally, if my wife doesn't survive me". The insurance company will require proof that the wife is dead and of the number of children (living and dead).

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Q: What do you need to send in if the insurer dies?
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