Life claims

Life insurance after a death: what to do and what to gather

A gentle checklist for a hard time. There's no rush to do it all at once.

Take the time you need. You can start the claim when you're ready, but check whether the policy sets a deadline for notifying the insurer.

Do this first

1. Find the policy documents Look for the policy number, the insurer and who the beneficiaries are. Check emails, bank statements and super fund statements too.
2. Order certified copies of the death certificate Most insurers need a certified copy. Funeral directors can usually help arrange it.
3. Contact the insurer and ask for their claim forms They will tell you what they need. The claim may be made by the person named in the will or the executor.
4. Check life cover held through a super fund Many people have cover inside their super. It's claimed through the fund, not the insurer directly.

Who to tell

• The life insurer: Ask for the claim forms and a list of what they need.
• The person's super fund: Cover held through super is claimed through the fund.
• The executor or a solicitor: They can help with the paperwork if the estate is involved.

What to gather

• The policy number and insurer. So the claim goes to the right place.
• A certified copy of the death certificate. Insurers need proof of death.
• Proof of identity and your relationship to the person. Shows you're entitled to claim.
• Medical records or a doctor's report, if requested. Insurers may ask for the cause of death and medical history.
• The will or grant of probate, if applicable. Shows who is entitled to the benefit.

Things that catch people out

• Insurers look closely at what was said when the policy was taken out. Be honest and complete in answering their questions.
• A claim can take time. If you're struggling financially, ask the insurer whether they have hardship support.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.