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Life Insurance Claims 101

Caring Support When You Need It Most.

Filing a life insurance claim can be a difficult and emotional time, but Allstate can help you as a beneficiary through it. Your loved one purchased a life insurance policy to help keep you protected in the future, and this is the moment our team of experienced professionals can help make sure you are. Understanding the steps involved can help filing a life insurance claim a little easier:

Step 1: Obtain a certified copy of the death certificate and the life insurance policy. You'll need to submit a certified copy of the death certificate to Allstate, and having the policy handy could help answer some of your initial questions.

Step 2: Report the claim to Allstate. You'll get answers to your questions and a comprehensive list of things you need to do next. To report the claim:

  • Locate your agent's office to file and track a life insurance claim in person, or
  • Call 1-800-366-3495 to file and track your life insurance claim over the phone.
Allstate Life Claims will then send further instruction and a claim form to either you or your agent.

Step 3: Determine how you'd like to receive your funds. Once your claim is approved, you'll have a few options for how you'd like to receive the policy benefit. Your agent and your claims representative can help answer any questions you may have.

Step 4: Keep track of your claim. It will take some time to process your claim after claim documents are received. If necessary, you can call 1-800-366-3495, or contact to your agent to learn about the status of your claim.

Our Agents Can Help.

An Allstate personal financial representative, along with the claims team, can answer any questions you have about the claims process. Your agent can also help you understand the ins and outs of the life insurance policy.

This information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life Insurance offered through Allstate Life Insurance Company, Northbrook, IL; Allstate Assurance Company, Northbrook, IL; Lincoln Benefit Life Company, Lincoln, NE and American Heritage Life Insurance Company, Jacksonville, FL. In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge, NY. All guarantees are based on the claims-paying ability of the issuing insurance company.
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