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- 1). Obtain the insurance documents of the policyholder. When you inform the insurance company they will ask about the details of the policy.
- 2). Find the paid premium receipts/acknowledgements if the policy is missing or not traceable. If necessary, write to the Missing Policy Service at American Council of Life Insurance with a self-addressed envelope. The inquiry is then forwarded to all the major life insurance companies in order to locate the lost policy.
- 3). Call the insurance agent who will help you in filling the necessary claim forms. This form is generally called the "Claimant's Statement For Life Insurance Death Benefits." Claim forms may have different names depending on the company, and can also be downloaded online for convenience.
- 4). Submit the claim to the insurance provider with a copy of the death certificate obtained from the funeral department.
- 5). Ask the company about the time limit for settling the insurance claim.
- 6). Follow the company procedure so that the claim processing is faster and easier.
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