How To File An Allstate Life Insurance Claim

• Claim form (fully completed and signed by each beneficiary)
• CERTIFIED copy of the death certificate. You can usually get this from the funeral director or from the local Vital Records office. Unfortunately, we will not be able to return the certified death certificate. We suggest that you request additional certified copies.
• Copy of the life insurance policy (if available)
• Other applicable documents that may be requested (e.g., court documents appointing executors/administrators for estate beneficiaries, or court documents appointing a guardian of the estate of a minor child, or an authorization signed by the beneficiary for release of information, etc.).

No. While we can accept your initial claim notification via fax, all other documents – including the completed claims form, certified death certificate and additional documentation – must be mailed so we can have the original copy.

You can choose how you want to receive the payment, including:

• A single check
• An Allstate Advantage Account, which includes a Visa card and checks so you can utilize the money while you figure out your long-term plans
• A direct deposit into your bank account. A voided check will be required to setup this method of payment
• A monthly payout. Your Claims representative can help setup these regular payments.

Need help deciding what to do with the benefit payment? Every life insurance policy also comes with a complimentary financial goals plan for the beneficiaries. Simply contact a local Allstate agent to get started.

Most claims process within 7-10 business days after receiving the documents. Beneficiaries usually receive payment shortly thereafter. Some claims may take longer.

View Ways to Locate an Unclaimed Life Insurance Policy to help you get started.

Yes, subject to the terms and conditions of the policy. A funeral home "assignment" is a required signed contract between the beneficiary and the funeral home. If applicable, a copy of this assignment must be sent to the insurance company by the funeral home or the beneficiary.

In most states, a child cannot file a claim if they are under the age of 17. Typically, the minor child is best protected by an appointed guardian through a court of law, and this guardianship document will need to be submitted with the claim form and certified death certificate. If no guardian is named, the Uniform Transfers to Minors Act may permit disbursement of funds to a custodian for the use and benefit of the minor child. There are certain guidelines and limitations determined by each state under this act. Contact your Claim representative for state specific information. The appropriate family member may wish to consult an attorney at law for advice and counsel on this topic.

The Allstate Life Claims Department can be reached at 1-800-366-3495.