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The Claims Process

Life insurance is designed to reduce financial burden

Coping with the death of a loved one is undoubtedly one of the most stressful things any of us will have to go through in our lifetimes.

Life insurance is designed to reduce the financial burden that is felt when a loved one passes away. However, in order to benefit from this financial windfall, a claim must be made.

Most insurers understand that complicated paperwork is the last thing anyone needs at this difficult time and they have made their claims process pretty straightforward. Some now offer online claim forms too.

The standard claims process

Claims processes can vary from one insurer to another, but as a general rule:

  1. Contact the insurer to make them aware you wish to make a claim
  2. Receive the claim pack in the post or via email
  3. Fill in the required details and provide the required documentation; death certificate, claim form, policy document
  4. The insurer usually requires original copies of these documents, send them by registered post to avoid any losses
  5. Receive payment either directly or as part of the deceased’s estate.

When to claim and who to contact?

How long before beneficiaries recieve a pay out?

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