bbh42 t1_j2e5rj8 wrote on December 31, 2022 at 4:25 PM

You should be filing a claim form to the insurance company and depending on the face amount of the policy you may need a death certificate as well.

No idea why they need the doctors info or other policies. Sounds almost like you have an application not a claim form.

As for who gets the proceeds it depends. Some states require the spouse to get them. Really depends on who she had listed as the beneficiary on her application or and updated beneficiary forms.

EDIT: if the policy was taken out recently it could be in the contestable period in which they often do ask for medical records

callistotyler t1_j2e6ean wrote on December 31, 2022 at 4:30 PM

We called the insurance company and they mailed us the claim of death form. What's the worst that would happen if we only list the information we know instead of going through all the medical/banking records? Some of which we won't even have access too (banking) since her father is refusing to help us.

bbh42 t1_j2e7qzs wrote on December 31, 2022 at 4:39 PM

If they need it then it just slows up the claim processing. Most policies with contestable clauses are a two year look back. If seen claims submitted many different ways. Depending on the company the proof of loss is the main need then it’s a matter of any claims against the policy. Any policy loans, assignment of benefits, child lien, etc.

The state of issue and the face amount drives a lot of the next steps and then of course any contestable review.