Insurance Claims
How do I file a life insurance claim step by step?
Short answer
Step 1: Find the policy and note the policy number and insurer contact. Step 2: Call the insurer's claims line and ask what they need. Step 3: Complete their claim form. Step 4: Send a certified death certificate. Step 5: Send any…
What this usually means
Step 1: Find the policy and note the policy number and insurer contact. Step 2: Call the insurer's claims line and ask what they need. Step 3: Complete their claim form. Step 4: Send a certified death certificate. Step 5: Send any other requested documentation. Step 6: Follow up in writing every two weeks until resolved. Keep copies of everything you send.
What to do next
- Start the PathAfter checklist for situation-aware first steps.
- Find California county help for coroner contacts, vital records, cost tools, and paperwork.
- Open the First 72 Hours Call Log before making calls.
- Open the Documents to Find Checklist when you are ready for paperwork.