Making a life insurance claim

If you’re making a claim on a life insurance policy, it’s most likely because you’ve experienced a personal loss. We understand that this is a challenging time so we want to help make the claims process as quick and as easy as possible.

What you need to know

Step 1: Contact us in any one of the following ways:

• Complete and submit our online life claim form.
• Email us at [email protected]
• Call us at 1-800-846-5970

You’ll need to have this information handy when reporting your claim:

• Policy number
• Insured’s first and last name
• Date of death
• Country of death
• Cause of death

Step 2: One of our Claims Adjudicators will contact you within 24 hours of receiving the claims details. At that time, we’ll explain the claims requirements and send you any forms that need to be completed either by email or mail.

Note: Providing us with your email address will help to expedite this process. The sooner you receive and complete the forms, the sooner we can process your claim.

Step 3: When we receive the requested documents and completed forms, we will evaluate your claim and make a decision.

Claims for policies under 2 years old are referred to as “contestable claims”. And, while this may sound bad, it really just refers to the fact that the claim will have to go through a routine investigation process to look at the insured’s health history prior to the date of the policy being issued. This is an industry-wide practice that can take a while but the good news is that most of the time everything is just fine and the claim is paid.

If you have any immediate questions, please contact us at 1-855-806-5057 or [email protected]