The death of a loved one is a difficult subject for almost everyone. We have prepared a very useful checklist of things that must be done when someone dies, and we hope you take the time to read now so that when the time comes you'll be better prepared. You can also print the page and place it with your important papers for future reference.
So how do I know if someone had life insurance?
When it comes to finding out if someone had life insurance, you should contact the deceased's life insurance agent. In most cases, life insurance companies only require two forms for proof of claim: the declaration of an applicant and a death certificate or statement from a doctor. The applicant's statement should be supplemented by the beneficiary.
If you are the beneficiary, you'll face crucial financial decisions at a time when you might be less willing to make sound financial decisions. To add to the load, the amount of money involved can be very large. For this reason, some life insurance companies offer a type of account money market interest bearing that allows you to write checks against your benefit proceeds on the same day you receive your checkbook.
This provides instant access and complete control of your product, then they earn a competitive interest rate and a capital guarantee by the insurer. It gives you the time to assess your financial situation has changed and talk things over with your trusted advisor
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If you want to make it as easy as possible for your loved ones whether YOU have life insurance and file a claim with the insurance company, the video below has some helpful tips for organizing your documents.
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