The Correct Way to Pay Out Insurance Claims for the Deceased
- 1). Call the insurance company to determine the exact listing of the beneficiaries. Provide the representative with your name, the policy number, deceased's name, date and cause of death, and the date of birth of the deceased.
- 2). Provide the insurance company with a copy of the death certificate. State that you are the executor of the deceased's estate, if this is the case. Obtain a death claim form.
- 3). Contact any beneficiary who is listed by name on the insurance policy. If you are the executor, but another person is listed on the policy, that person must make the claim. Provide the beneficiary with any pertinent contact information and forms required to make his claim.
- 4). File a claim on behalf of the trust or the estate if no living person is listed as the beneficiary. Complete the death claim form and submit it with a copy of the death certificate if it wasn't already required.
- 5). Obtain the insurance claim check and deposit it into the estate account. Wait for the check to clear.
- 6). Pay the insurance death claim to the designated beneficiaries as indicated by the deceased's trust, last will and testament or probate court orders.
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