File a Life Insurance Claim with Prudential
Here we explain how to file a life insurance claim with Prudential, with a link to Claim forms (below). Many life insurance claims are unduly delayed during the examination process and sometimes are denied so being prepared and following these steps will help assure your death claim processes quickly and gets approval.
We know the business of winning life insurance claims. We represent beneficiaries to get their claims paid quickly – even contestable claims. Don’t be a victim to abusive tactics, unfair delays or a denial of your Prudential life insurance claim.
Need help? We’ll prepare and file your Prudential Life claim so it pays out without delay or denial.
Step by Step Guide to File a Life Insurance Claim with Prudential
Step #1. Contact Prudential 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. If they determine the policy was not active on the day the insured died they’ll refuse to provide you with their Claim forms.
Step #2. Get a Final Death Certificate and Mail it to Prudential
They’ll want an original death certificate, not a copy. These can be purchased from the funeral home. If there is an open investigation about the death by Law Enforcement, or if the County Medical Examiner hasn’t finished determining the Cause of Death, the Final Death Certificate won’t be available. Life insurers won’t pay claims without a Final Death Certificate.
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. The beneficiary must provide a social security or tax payor number. While most death claims are not taxable, an insurer is still responsible for notifying the IRS a claim has been paid.
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.
What to Expect After You File the Prudential 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.
Still Need Help? Contact us.
PRUDENTIAL CLAIM FORMS (click here)
Prudential Life Claims Department Contact phone number 1-855-277-8061
The Center for Life Insurance Disputes fights denied death claims for beneficiaries. We advocate for clients whose life insurance claims have been wrongly denied or unduly delayed. Our clients are those who believe their claims should have been paid, but who don’t want to go through the expense and stress of a lawsuit in order to get their money. We’ve recovered over $250 million for our clients without ever having to step into a courtroom. No retainer necessary. No legal fees. Fast results.
More Helpful Resources:
Prudential Life Insurance Claim Denial Report 2026. Beware of unfair, Bad Faith tactics during a death claim examination. We’ve compiled industry statistics and trends identifying claim examination practices that can cause death claim delays and denials.
Prudential Life Insurance Claim was Denied. 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.
Complaints About Prudential. A step-by-step guide to getting resolution for death claim and policy complaints.
