When a loved one passes on during the term of their life insurance policy – this means the policy didn’t mature – any of the named beneficiaries can claim the proceeds. The claim is known as ‘Life Insurance claim’ or ‘death claim.’ At JC Demo Insurance Group, we can help you with your life insurance claim in Matthews, NC.

How to make a life insurance claim

The most crucial step you must take is to inform the insurance company about the death of the insured. According to insurance companies, there are two main classifications of death – ‘early death’ as well as ‘non-early death.’ They are based on the time the insured took the policy. An early death means the insured died within 3 years of acquiring the life plan.

The papers required to file a death claim for these two types of deaths can vary depending on the insurance company. So, make sure you approach the insurer to get the claim intimation form. You should also ask them to clarify more about the documents you need to provide for the claim.

Document checklist

Usually, a life insurance claim requires these documents:

• The original policy document
• The death certificate
• Police FIR (if an unnatural death occurred)
• Hospital records (if the deceased passed on due to an illness)
• Medical certificate (to show cause of death)
• ID proof of any beneficiary
• Discharge form
• Post-mortem report (if an unnatural death occurred)

Being a claimant, you need to make a claim immediately after the insured dies. Ensure you have all the required documents too. Once you submit the claim, the insurance company should issue a settlement shortly. But, you must determine how the funds will be distributed.

JC Demo Insurance Group has been offering numerous insurance services to Matthews, NC residents. Contact us for more information about life insurance and the claim process.