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Working through the process of grieving the loss of a loved one and working through the claim filing process can be difficult. The Ohio Department of Insurance has prepared this information to help you file a life insurance claim.
- Obtain several copies of the death certificate. This is the standard documentation required for filing a life insurance claim.
- Contact your life insurance agent. The agent who sold the policy can help fill out necessary forms and act as an intermediary with the insurance company. However, if you do not know the name of the loved one's agent, contact the life insurance company directly.
- In the case of a group life insurance policy, such as the one offered by an employer, first contact the group plan sponsor or the human resources office directly. If you are unable to contact the employer, you may contact the life insurance company directly.
- Submit a certified copy of the death certificate from the funeral director with the policy claim.
- If a claim is being filed during the contestability period (that is, within the first 2 years of the effective date of coverage), there may be a delay in the proceeds being sent since the company has the right to investigate. The company will contact medical providers to verify the cause of death was not pre-existing.
- Companies are required by statute to pay interest on the death proceeds, from the date of death.
Ohioans with questions about life insurance can call the Department's toll-free consumer hotline at 1-800-686-1526. A life insurance informational toolkit is also available on the Department's website at www.insurance.ohio.gov. The toolkit provides tip sheets, publications and links to other helpful websites.