How to file a life insurance claim with AARP Life – 5 Simple Steps
The Center for Life Insurance Disputes represents the beneficiaries of denied claims, delayed claims and other life insurance claim disputes. We’re nationally recognized experts. Here we explain how to file a life insurance claim with AARP Life.
First, let’s be honest; life insurers don’t want to pay claims and they do what they can to not pay. Here on our website you’ll find plenty of helpful information, client results and supportive resources so your claim is processed quickly, gets approved and paid.
If you’d like a Claim Expert to assist you with your AARP Life claim, contact us now for a free consultation.
Step by Step Guide to File a Life Insurance Claim with AARP Life
Step #1. Contact the Claims Department and inform them of the death
They’ll confirm the policy was active and send you their Claim Form to complete. This will also stop the insurer from billing for premiums.
Step #2. Get a final death certificate and mail it to AARP
They’ll want an original death certificate, not a copy. These can be purchased from the funeral home.
Step #3. Submit the Claimant’s Statement
This form asks for information about the beneficiary such as name, address, social security number and the form of payment requested.
Step #4. Choose a form of payment
Depending on the insurance company and the size of the claim, several different payment options are available:
- Check made out to the beneficiary.
- A checkbook issued to the beneficiary.
- Periodic installment payments.
Step #5. Confirm all documents are received in the Claims Department
Because communication from an insurer is quite slow, take the proactive step of confirming that all documents have been received by the Claims Department.
FAQ:
Q: What Happens After I File the Death Claim?
If your claim is approved you’ll receive your payment 7 to 10 days after the final approval. If your claim is denied you’ll be given a written explanation why it was denied. Usually, the insurer will refund all the premiums that were paid.
Q: What Can I Do If My Death Claim is Denied?
You can appeal denied death claims. For this we strongly urge you to contact us to handle your appeal.
Denied life insurance claims are usually from policies that were less than 2 years old when the insured died. For a full explanation of Contestable Life Insurance Investigations please read: Life Insurance Claim Investigation.
Q: How Long Does It Take to Get a AARP Life Claim Paid?
An insurer has 30 days to pay a death claim The exception to this rule is when the Policy is still in the 2-year Contestability Period. In those instances, the insurer has additional time to gather and evaluate records. But, they cannot delay a claim beyond a reasonable time.
Contestable Life Insurance Claims – What to expect during a contestable claim investigation.
Q: Can The Center for Life Insurance Disputes File My Death Claim for Me?
Yes, we file new death claims with proper supporting documents, expert opinions and medical reviews so every claim is approved.
Help with a Life Insurance Claim – Expert guidance for getting life insurance claims paid.
Q: Are All Death Claims Investigated?
No. Only Contestable claims can be investigated. Read: Six Reason Your Contestable Life Insurance Policy May Not be Contestable.
Q: What is the AARP Life Claims Phone Number?
AARP Life Claims Department phone number (800) 850-2658
Still Need Help? Contact us.
AARP Claim Forms (click here)
A step-by-step guide to getting resolution for death claim and policy complaints. AARP Life Insurance Complaints
If your life insurance claim gets denied you need insight and information about how to fight the denial. Here you’ll get that knowledge regarding your options, what they cost and how the process will go. AARP Life Insurance Claim Denied
