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By: Scott Grossman on June 18th, 2018

Life Insurance Policy: Documents to Have Handy to Address

In many cases, the proceeds from a life insurance policy are the largest of the assets that are held within an estate. Insurance companies will ask for several types of information before releasing these funds.

Did your loved one recently pass and have a life insurance policy?

5 Types of Information the Insurance Company May Ask For:

When collecting the proceeds from a life insurance policy, note that every policy and insurance company has its own requirements. However, there are certain documents that most companies will request. The following is an overview:

  1. A death certificate is required to demonstrate that the decedent has passed away.
  2. The policy proceeds may be payable to the decedent’s estate. This is true if there was no beneficiary of the policy named. It is also true if the beneficiary is listed as the estate specifically. In these cases, the insurance company may ask for copies of court documents. They will ask for copies from the court verifying that you’re the personal representative of the estate.
  3. If the policy proceeds are payable to a living trust, you may need to present evidence. The evidence must demonstrate that you are the trustee of that trust now that your loved one has passed away.
  4. If the initial beneficiary of the life insurance policy has passed away but a valid contingent beneficiary was named, you may need to present the insurance company with proof that the initial beneficiary is not eligible to receive the funds.
  5. In addition, to speed up the payment of the policy proceeds, you may need to provide several important pieces of information about your loved one. This information may include the insurance policy account number, your loved one’s social security number, a tax identification number for your loved one’s estate or trust, or other information.


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