Resources
We're here when it matters most. A simple, compassionate guide to filing a claim.
Losing a loved one is overwhelming. We've designed our claims process to be as simple and stress-free as possible, so you can focus on what matters—your family.
Our Care Team is available 24/7 to walk you through this process. Call us at 1-800-TOMORROW.
Beneficiaries can report a claim online through our secure portal or by phone. We'll just need the policy number (if available) and the deceased's name and date of birth.
We will need a certified copy of the death certificate. In some cases (like if the policy is less than 2 years old), we might need a few medical records, but we handle obtaining those directly from doctors whenever possible.
Once we have the death certificate, most claims are approved within 24 hours. Funds are sent via direct deposit (fastest) or check.
Generally, no. Life insurance death benefits are usually income-tax-free for the beneficiary. However, any interest earned on the payout (if you delay withdrawing it) may be taxable.
If the policyholder named multiple beneficiaries (e.g., 50% to spouse, 50% to child), we will process each claim separately and pay out the respective percentages directly to each person.