How Can I Get a Claim Form?

Most of the insurance documents we issue include a claim form, which is called a "Claimant's Statement For Life Assurance". If you do not already have this form you can download one here. If you are unable to download the form, please let us know by e-mail or telephone and we will promptly send one to you.

Frequently Asked Questions

How do I submit a life assurance claim?

Most life assurance claims can be processed upon receipt of a claimant's statement completed by the named beneficiary, and a certified death certificate for the insured. The original insurance contract(s) should also be returned, if available. Only one death certificate is required regardless of the number of policies or certificates. These documents should be sent to:




P. O. BOX 17753,


+233 24 369 0442 / 3

How can I tell the amount to be paid?

If coverage is in force, the death benefit payable is shown on the policy/certificate specification page that is a part of all contracts. Some policies have benefits that vary depending on how long the policy has been in effect when the insured dies. To determine if this is the case, check the amount of time that has passed from the effective date of the policy (also referred to as the policy date or issue date) to the date of death. The policy specification page will indicate the benefit payable for that duration.

Other factors that may affect the amount payable are policy loans, premium adjustments, and adjustments for misstatement of age. If it is critical that you know the amount before making your claim and you need assistance, you may e-mail us your request or contact us by telephone (use the prompt for claims). Because of confidentiality issues, we may not be able to honor all requests for this information. Furthermore, such benefit quotes are not binding on the company.

What should I do if the beneficiary is no longer living?

If the primary beneficiary dies before the insured, the benefits are payable to the contingent (or secondary) beneficiary. If no provisions were made for a contingent beneficiary, the benefits are payable to the estate of the insured.

If the primary beneficiary passed away after the insured (but before benefits were paid), the benefits are payable to the estate of the beneficiary.

If benefits are payable to an estate, the court appointed representative should complete the claimant's statement, and a copy of the appointment document should be provided with the other documents requested. Refer to "How Do I Submit A Life Insurance Claim" for claim filing instructions.

How can I tell who the beneficiary is?

The named beneficiary is shown on the original application/enrollment form attached to the policy/certificate, or it may be shown on the policy specification page. If a beneficiary designation was changed, an endorsed copy of the change was returned to the owner with the instruction that it be attached to the appropriate insurance documents. If you are unable to determine the beneficiary, you may request this information by postal mail, e-mail or telephone.

What should I do if there is no estate?

Most states have provisions for payment by affidavit, if benefits are payable to an estate, but the estate will not be subject to formal administration. Please contact us by mail,  e-mail or telephone, and the appropriate instructions and/or forms will be provided.

How do I know if coverage is in force?

Coverage is considered to be in force, as of the effective date of the policy/certificate, if premium payments are current. Coverage may also be in effect, depending on the specific contract, if premium payments were discontinued and there is cash value sufficient to provide extended term insurance or reduced paid-up insurance under the non-forfeiture option outlined in the policy. Each policy or certificate, should be reviewed for the specific non-forfeiture provisions. You may contact us by postal mail, e-mail or telephone to verify if coverage is in force. Also, you may simply submit a claim against the policy in question and we will advise you in writing if it is not in force.

Can the proceeds be paid directly to another party?

Life assurance proceeds can be paid directly to a funeral home, cemetery or other entity if the beneficiary executes an assignment of proceeds instrument. Funeral homes and cemeteries typically have their own assignment of proceeds forms. In order for us to honor an assignment of proceeds, the beneficiary's signature must be witnessed by a notary public affirming the identity of the person that signed the assignment. Additionally, all policy/certificate numbers subject to assignment must be written on the assignment and the specific maximum amount to be paid by assignment must be clearly stated.


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