Health IQ: What to Know About the Life Insurance Claims Process [QUIZ]

Navigating the ins and outs of the life insurance claims process can sometimes feel overwhelming. It can get even more demanding if you’re dealing with the loss of a loved at the same time. That’s why it’s helpful to understand what steps you’ll take as a beneficiary before the time comes.

Before you even begin the claims process, you need to file for a death certificate. This is an official government document that confirms the passing of an individual. It’s part of the paperwork beneficiaries are required to have to start the claim. When you’re ready to receive the life insurance policy money you’re entitled to, you need to file a claim. This isn’t an automatic process and insurers won’t know you need to make a claim until you contact them.

To start this claim, you need to contact the insurer or broker as soon as you can. Along with the death certificate, insurers will also require a completed claims form. However, keep in mind that if the death of the policyholder was listed as a homicide, the insurance policy payout will be delayed until the beneficiaries are no longer possible suspects. If you want to get a better understanding of the claims process for life insurance, this quick, easy, and informative quiz from Health IQ will walk you through the steps and explain what you need to know.

About Health IQ

Health IQ’s mission is to improve the health of the world by celebrating the health conscious through financial rewards. Health IQ delivers better rates and underwriting, and was recently featured in sites such as CNBC, Venturebeat, and TechCrunch.  and partners with top-rated insurance carriers such as SBLI, Ameritas Life Insurance Corp. and Assurity Life Insurance Company, and reinsurer partner Swiss Re to offer health conscious people between 4 and 33 percent lower rates on life insurance. Founded in 2013 by a team of health conscious entrepreneurs, the company is a licensed life insurance company in all 50 states and has helped tens of thousands of individuals secure a total of $5.3 billion in insurance coverage.