All claims are made against the Life Company who issued your policy. You will find details of the claims procedure within the policy documents they provide with your policy and in the key features document.
However, if you, or your dependents, are unsure how to proceed with a claim, then contact the agent or broker who arranged the policy on your behalf. You can normally find details of the broker who arranged your policy within the insurance documentation. They will be help you.
If a policyholder does die, the insurance company can make the payment quite fast-
but there are several procedures you must follow to ensure this is done correctly.
Firstly you must find the insurance policy documents in question and make a note of
the policy’s number. Then contact the Life company. They will then dispatch a
claims form. Whilst this claim form is en-route you will need to get a certified copy
of the death certificate. Your funeral director will help you with this.
The Life Company will pay the claim promptly once they receive all the documents and they have been verified.
Don’t worry. It’s fairly common to loose a policy document! You will be able to trace the Life Company through the premium payments made from the deceased’s bank. Then phone the Life Company and they’ll sort it all out for you.
A Life Insurance policy written “in Trust” will ensure that, the money
goes directly and quickly to the people you specified on the trust document. It will
also avoid all Inheritance Tax. That could save you upto of your inheritance. It is
quick and easy to have a policy “written in trust” and the helpdesks of
most web sites will make the arrangements for you.