How do beneficiaries claim the death benefit?
They contact the carrier (Morningside helps coordinate this for our clients), submit a certified death certificate, and complete a claim form. Most claims pay within 30–60 days of the carrier receiving complete documentation. Contested claims (suicide within the contestability period, material misrepresentation, multiple competing beneficiaries) take longer. Beneficiaries should hold onto policy details — death certificate alone isn't enough; the carrier needs the policy number and proof of identity for the beneficiary.
- Category
- Personal Insurance
- Audience
- For existing clients
- Topic
- Personal Insurance
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