Life Claims FAQs

If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

For more information about the claims filing process, click here.

Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department at:

The process can be expedited by accurately completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 5 years.

For more information about the claims filing process, click here.

All accidental death benefits, regardless of how long the coverage has been in force, will be investigated to ensure the death meets the criteria of an accident as defined in the policy.

The process can be expedited by providing copies of the following documents:

• Completed Claimant Form
• Certified Death Certificate (including cause and manner of death) If your benefit amount is $50,000 or less a copy of Death Certificate is allowed
• Obituary (if available)
• Autopsy, toxicology, and police reports
• A copy of the coroner’s report

All claims where the manner of death is homicide will be investigated.

The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

• Autopsy, toxicology, and police reports
• A copy of the coroner’s report

Beneficiary is designated by the policy holder when applying for the Life policy. Policyholders do have the ability to update beneficiary information at any point during the life of the policy. These changes are recorded in our computer system. If no beneficiary is chosen, we will issue the proceeds to the estate of the insured, unless a Last Will and Testament is provided that identifies a recipient to the insurance proceeds. Should there not be an estate in place, we will require a document from the courts stating as such. Depending on your state, it might be called a “No Estate Affidavit,” “Small Estate Affidavit,” “Summary of Estate,” or something similar. If you are unsure how to obtain this document, please contact your local County Court Clerk.

Certified death certificates have either a raised seal or a multicolored signature seal from the county, city or state that issued the certificate. In addition, the original death certificate should contain the signature of an appropriate officer of the county, city or state. Typically a certified death certificate can be obtained by working through the Funeral Home or at the Department of Health or Vital Statistics of your local Government.