Filing a claim

The name or names of beneficiaries are shown on the original application attached to the policy or on the policy specification page. If a beneficiary designation was changed, a copy of the change was returned to the owner. You may also request this information by calling 1-877-815-8097.

Please keep in mind that circumstances may vary and the ultimate beneficiary(ies) will be determined during the claim process.

If the primary beneficiary dies before the insured, the benefits are usually paid to the surviving beneficiary(ies), the contingent beneficiary(ies), or second contingent beneficiary(ies). If there is no surviving beneficiary or contingent beneficiary, the benefits are paid to the policy owner or the insured's estate depending on the policy language. If the beneficiary passed away after the insured but before benefits were paid, the benefits are payable to the beneficiary's estate. If benefits are payable to an estate, the court-appointed representative should complete the claimant's statement and provide us with a copy of the appointment document. Please note that a death certificate for the deceased beneficiary is required. Please keep in mind that your circumstances may vary and the ultimate beneficiary(ies) will be determined during the claim process. Please contact us for information specific to your claim.

In addition to the Beneficiary Statement, a certified death certificate, original insurance contract and Certification and Acknowledgement of Trust Agreement form are required.

In addition to the Beneficiary Statement, a certified death certificate, original insurance contract and letters testamentary (sometimes referred to as appointment papers, certificates of appointment or letters of administration) are required.

In most cases life insurance benefits can be paid directly to a funeral home if the beneficiary executes an assignment of proceeds form. Funeral homes typically have their own assignment of proceeds forms, but we reserve the right to request additional information. In order for us to honor an assignment of proceeds, the assignment form must clearly include the following: 1) the beneficiary's signature; 2) all applicable policy numbers; and 3) the specific dollar amount being assigned. The assignment form must also be accompanied by a copy of the funeral bill, which must match the amount being assigned. Please note, all requests for policy specific information related to the assignment must be submitted in writing.

The assignee and beneficiary(ies) must complete our Affidavit of Extent of Interest, which must state the assignee’s interest in the proceeds. The remainder, if any, is paid to the beneficiary(ies). The Affidavit of Extent of Interest is available by calling us at 1-877-815-8097.

Nassau does not consider whether an insured has had a COVID-19 vaccine when determining whether to pay a claim. Please be assured that nothing has changed in our claims paying process as a result of individuals receiving the COVID-19 vaccination.