Filing a life insurance claim is usually one of the last things on your mind after a loved one dies. A life insurance settlement can help relieve financial burdens caused by medical expenses, funeral costs, and a drop in income. That is why it is important to take the time to properly file a life insurance claim. Below are the top four things you need to do to get the life insurance claim filed.
Review the life insurance policy. By reviewing the life insurance policy, you can determine the amount of the benefits and identify the contact information and process for filing the claim.
Call your insurance agent. Your insurance agent should be able to tell you what paperwork is required and can provide helpful information on how to file the claim.
Complete the claim form and required paperwork. Each adult beneficiary is usually required to fill out a proof of death form and submit a certified copy of the death certificate. The insurance agent should be able to obtain the necessary forms that you will be required to complete. A death certificate is generally provided by the funeral director. Occasionally, the life insurance company will also want to see a copy of the marriage license, if applicable. All of the forms and supporting documents should be forwarded to the life insurance company with proof of delivery.
Consult a Life Insurance Claims Attorney. It does not take long for the life insurance company to review the claim. However, a delay can occur if the life insurance company is investigating the claim for reasons such as material misrepresentation or fraud or if some of the supporting documents are missing. If your life insurance claim is stalled, you should contact an experienced life insurance claims attorney immediately.
You can reach Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].