Life Insurance Death Claim — A Step-by-Step Guide

Filing a life insurance death claim involves emotional strain, multiple documents, and strict timelines. Here is a calm checklist of what to do.

Documents to keep ready

• Original policy document(s).
• Death certificate issued by the municipal authority.
• Cause-of-death certificate (Form A from hospital or doctor).
• Nominee KYC: PAN, Aadhaar, bank account proof, photograph.
• FIR + post-mortem report if death was accidental or unnatural.
• Latest premium receipt.
• Discharge summary if the deceased was hospitalised.

Process timeline

1. Intimation — within 30 days of the event.
2. Document submission — usually 60–90 days, depending on the insurer.
3. Insurer investigation — for non-natural deaths or large sums assured, expect 30–90 days of underwriting review.
4. Decision — IRDAI mandates a 30-day decision window after all documents are received.

Common rejection reasons

• Misrepresentation at the time of buying the policy.
• Lapsed policy (premium not paid).
• Death within the first two years (subject to investigation).

Each of these can be challenged with proper evidence. Don't accept a rejection without a written reason.