Life Insurance claim process:

Most of the insurance companies sends prior intimation at least 2 months of maturity date. If the notice of maturity is not received and the date of maturity is known to the policyholder, then the policyholder can take the necessary steps to get the due Maturity amount.


Life Insurance claim arises in the two situations;
  1. Maturity Claim
  2. Death Claim 

    A common life insurance claim process
    1. When you first contact your insurance company, they will ask you specific questions about the policy and then send you the necessary paperwork to get the process started.
    2. Fill out the paperwork to the best of your ability. Try not to leave any questions unanswered to prevent any delays in payment.
    3. Obtain a copy of the death certificate (in case of death insurance claim). Make sure you call the live statistics office before beginning your life insurance claim. Because the certificate might not necessarily be located in the county where the individual formerly lived.
    4. Submit all of the relative information to the insurance company and obtain return receipt as a proof that they received the life insurance claim application.
    5. Be prepared at all times for an insurance adjuster to contact you. Depending on the circumstances of the death, they might have additional questions for you in order to further process the life insurance claim.
    Necessary documents for life insurance claim:

    Claims Procedure on Maturity
    On maturity of policy, the policyholder has to submit certain requirements on maturity of the policy
    • Submit the policy document to the insurance company.
    • Collect discharge form put a revenue stamp & sign it, also get your signature attested by a witness and submit it to insurance company
    • Submit a proof of age document (if age has not been admitted earlier)
    • Submit Assignment/ Re-assignment Deed if any
    • Existence certificates in case of Children's Deferred Assurance and Pure Endowment policies

    Life Insurance claim on death (Accidental/natural)
    Intimation about death of policyholder should be given to insurance company by any relative/ nominee/ assignee of the deceased policyholder which should contain the information
    • Death certificate
    • Date, reason & place of death
    • Policy Number/s