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If you're still listed whereas the beneficiary on your ex-spouse's life insurance policy, the process of collecting the benefits if he dies remains unchanged. Your marital status has no effect on the provisions of a life insurance policy since it's a formal legal contract among the owner and the insurance business. Unless your ex-spouse changed the beneficiary designations after your divorce, the carrier will pay you the death benefit.

Instructions

Things You'll Want

Life insurance policy Certified death certificate Life insurance claim form

1 Contact the life insurance company. After your ex-spouse has died, phone the Claims Department regarding the life insurance firm that issued his policy. Explain the case and request the mandatory paperwork to file a declare.

2 Complete the claim types. While the declare variety arrive, carefully read all involved directions. Enter the required information into the important sections of the paperwork. Be sure that you don't inadvertently skip each and every sections, because devoid of information will delay the processing about your declare.

3 Obtain medical records. Contact your ex-spouse's physician and request copies regarding his existing medical records. Numerous life insurance firms request this substance, especially if your ex-spouse died within the first double years of purchasing the policy.

4 Submit all documents to the insurance carrier. Mail the completed declare forms, medical records, and a certified copy of your ex-spouse's demise certificate to the life insurance company's States Department.

5 Respond to all requests for further details or info. It's not uncommon for life insurance companies to have issues whilst processing death claims. If you obtain a call up or letter from the carrier asking for further details, provide them because rapidly as possible.

Tips & Warnings

References

InsuranceAgents.com: Filing any Life Insurance Claim MetLife: Declares Filing State Farm: Life Insurance Policy Claims Made Effortless

Resources

InsWeb.com: How to File a Life Insurance Declare