A life claim starts with the agency and the carrier, not with a portal upload. Stay on the phone with the licensed agent so they can open the claim packet and tell you who the carrier needs to hear from.
Call the agency
Have the policy number and the date of death before you dial. Ask who the owner and beneficiary are on file.
- The portal can show the policy number if the agency attached the plan. It does not start the claim.
- If more than one life policy is on the household, confirm which number the agent is opening.
Call the carrier if asked
The agent will tell you whether to call the carrier claim line the same day. Some carriers want the beneficiary on that first call.
- Write down the claim number they give you.
- Do not assume a portal message or an email has opened the claim.
Send the death certificate
Carriers usually want a certified copy. Ask the agent where to send it and how many copies they need.
- Do not mail the only original without asking. Keep a copy for the estate file.
- The household portal does not file life claims or accept a death certificate as a substitute for the carrier packet.
FAQ
Short answers you can use on a call with your agent.
Can I file a life claim in the portal?
No. Call the agency and the carrier. You will need a death certificate and the policy number.
Devkrest