Q. How do I make a life insurance claim?

When a loved one passes away, you should obtain copies of the death certificate and contact the insurance company to acquire claim forms.

Q: Can I convert my group life insurance through my employer to an individual plan?

Yes, you can. You must notify the insurance company and assume premium payments.

Q: Can the insurance company contest the claim?

Depending on the circumstances, if the cause of death is excluded by the policy, the insurance company may contest the claim. Also, if the death occurs within a certain period of time (known as the contestability period) after the policy was purchased, the insurance company can investigate and potentially contest the claim.

Q. Will accidental circumstances surrounding a death affect recovery?

Many policies have an accidental death provision that will add to the benefit.