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Documents Required To File Term Insurance Claims

With the COVID-19 pandemic wreaking havoc in the country, the insurance industry has witnessed a significant push. Term life insurance, in particular, has been popular among the general mass. These policies offer comprehensive financial protection to the family of the policyholders after their untimely death. It is important to be informed about the documents required to file a death claim and the claim settlement process to ensure that families get their due.

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The process of death claim settlement has been made simpler and significantly less time-consuming than before. Most insurers allow you to file claims directly on their websites without having to visit their branches. All you will need is a list of documents to upload, such as proof of death of the life assured, evidence supporting the claimant’s relationship with the deceased life assured, bank details, etc. In order to upload these at the insurer’s claims portal, you will need scanned copies of the documents required to file term insurance claims.

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What Are The Documents Required For Term Insurance Death Claims?

Death claim intimation requires details about the cause of death, the date, and the place of death. To ensure a smooth claim settlement process, you should keep documents validating the abovementioned aspects handy. The following section offers a comprehensive guide into the documents you will need to produce while filing a death claim against the term insurance coverage of the deceased policyholder.

For deaths occurring after 3 years from the date of risk commencement

  • Original policy document

  • Duly filled claim form application

  • Claimant’s statement, with information about themselves and the deceased

  • Original certificate of death attested by the local municipal authority

  • Deeds of assignments/re-assignments, if any

  • Evidence of title if the policy was not assigned

  • Copies of nominee’s identity proof such as Aadhar card, passport, voter ID, PAN card, as mentioned in the policy application

  • Canceled cheque and NEFT mandate

In the case of deaths due to medical illnesses

In addition to the above mentioned documents, you will be required to submit the following:

  • Attending physician’s statement/certificate

  • Proof of treatment in a hospital

  • Funeral/burial certificate

In the case of accidental or unnatural deaths

If the policyholder succumbs to death as a result of an accident or under any unnatural circumstance, claimants have to furnish the following along with the above-mentioned documents:

  • Certified copy of the First Information Report (FIR)

  • Post-mortem report

  • Police investigation report

If the death of the policyholder occurs within 3 years from policy inception, an early death claim has to be filed. Early death claims require you to submit the aforementioned documents based on the nature of the death along with the employer’s certificate if the deceased life assured was employed at the time of death.

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Significance Of The Documents In Claim Settlement

These documents are extremely crucial to facilitate a smooth claim settlement process. The insurer thoroughly verifies all the submissions and only then is the claim processed. If the insurer finds any fabricated information, the entire benefit amount shall stand canceled.

Another important role the documents required to file death claims play is distinguishing genuine claims from fraudulent ones. These documents come in handy during the investigation sought by the insurer.

How To File A Term Insurance Death Claim?

Now that we are aware of the documents required to file term insurance claims, we can move towards understanding the process of death claim settlement. It primarily involves three steps:

  • Claim Intimation - Inform the company of the death of the policyholder. Fill out the claim intimation form available online on companies’ websites or offline at their branches.

  • Document Submission - Submit the relevant documents mentioned above as per the circumstances under which death occurred for verification by the insurer.

  • Claim Verification - Once the documents are verified, the company processes the claim and transfers the benefit amount directly to the assigned nominee’s bank account. As mandated by the IRDAI, an insurance provider is obligated to complete all death claims within 30 days from the date of intimation for cases that do not require further verification.


  • What should I do if the documents required to file a term insurance death claim go missing?

    You should lodge an FIR as soon as you realize that documents have gone missing. Then, inform your insurer and request copies of original documents that have gone missing.
  • What are early death claims in term insurance?

    In life insurance, there are two types of claims, viz. Early death claims and non-early death claims. The former refers to death claims arising within 3 years from the date of policy issuance.
  • What are the steps to file term insurance ‘Return of Premiums’ maturity claims?

    Term insurance plans that come with the return of premium provision are those wherein the insurer is liable to offer a complete refund of the premiums paid till the maturity of the policy. This is paid back to the life assured should he/she survive the policy term.
    In such cases, the insurer itself sends an intimation about the amount payable to you at least 2-3 months before the end of the policy term. They shall send a discharge voucher which you have to return duly signed. In addition, you will be required to send back the original policy bond to proceed with the maturity claim.
  • Can term insurance death claims be filed for death as a result of suicide?

    In suicide cases, insurers are not liable to pay the death benefit amount on deaths occurring as a result of suicide. However, some insurers pay up to 80% of the premiums paid till the date of death of the life assured to the beneficiary. However, the terms and conditions are fairly varied and should be carefully evaluated.

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