Life Insurance Claim Tips

Tips To Make Life Insurance Claim Easier
Before discussing how the tips to get a life insurance claim more easier, we need to know what are things that need to be reviewed by insurance companies against claims that we ask, in general, companies will see the policy contract duration until the occurrence of the risk of death, namely:

1. Contestable period or policy is still in its trial. If the claim is made and the policy still has not been through a period of 2 (two) years, it still will further search.

2. Non Contestable period or policy are no longer on probation policy. For policyholders who are older than 2 (two) years, after the entire document (full) is received, then the claim will be paid directly without going through a further search.

For the claims that still require further search, please co-operation and patience from parties who file a claim.

Here are some tips, to facilitate us to make a claim Life Insurance that may help:

1. For those of you who want to make a claim Life insurance may directly obtain a claim form at your nearest insurance office or via the official website of the life insurance company or through your agent.

2. Once you get the form, fill out the form with the required data. Make sure you complete data for the smooth process your claim. Medical Certificate Form must be completed by the treating physician or the insured party

3. After that, return the form and all required documents to the insurance company’s headquarters or the nearest branch of life insurance companies, shipping can be done by mail, or inter-agent directly, remember always have a receipt from the officer in charge of receiving the document, if sent by mail should delivery receipt is stored and after 2 days later difollow ups to companies to ask whether the shipment has been received with complete, record the name and confirmation date .

4. Usually after a complete document Claim Department will begin processing all requests for submission of claims, to request insurance claims usually take 3-14 working days depending on the policy of each company. Processing time may take longer if you require further search.

5. Once the application is approved, then funding your claim will be transferred to the account in question is usually the beneficiary designated by the deceased insured, unless there is a certain power of attorney from the heirs of the other states.