How to make a life insurance claim

Hopefully, you and your family can get through life without having to make a life insurance claim. However, if you do, you’ll have to work out the process during a particularly traumatic time.

Here is a guide on where to start, so you’ll be ready if the worst ever happens.

What is life insurance?

Life insurance is a financial benefit provided to you and/or your family if an unexpected event happens to you, such as disability, illness or even death. 

This benefit enables your family to keep meeting financial obligations and basic needs during that difficult time.

The types of events that your insurance could cover depend on your lifestyle and needs. Life insurance products can include:

  • trauma cover – for terminal illness or injury
  • income protection – for loss of income due to injury or illness
  • total and permanent disability cover – for serious injury or permanent disability
  • life cover – for your loved ones if you pass away.

How to make a claim

If you or your family needs to make a life insurance claim, contact the person or organisation you bought the product from. This could be an insurer, superannuation fund, your broker or other entity.

Give them your policy number. They will tell you which form to complete to make the claim.

Get the information together

To make the process easier and prevent hold-ups with your claim, make sure you have all the information you need. 

What you need will depend on the insurance product. It might include:

  • certified proof of identification
  • medical reports and any other evidence that you can’t work
  • bank statements and payslips
  • specialist reports
  • details of your job, your tasks, the hours you work, etc.

For life/death cover, your family will need to provide a death certificate certified by a justice of the peace.

Claiming life insurance as a beneficiary

A person who takes out life insurance can put beneficiaries on the policy who can make a claim if the policyholder dies. 

If a beneficiary wishes to claim life insurance after death, they should submit a claim form as quickly as possible after collating the necessary information, including the death certificate. It can take several weeks to process a claim.

What happens next

Send the form and other required documents to the insurer, so they can start processing your claim. They will contact you if they need more from you.

Be aware that it could take several weeks and even months to finalise your claim.

If you disagree with their decision

If you’re not happy with an insurer’s decision or their process, you can make a complaint with them. However, if you can’t make any headway, you can consider getting help from an insurance claim lawyers gold coast.

Our local Gold Coast insurance lawyers are committed to helping everyday Aussies receive the compensation they deserve. Contact the team today to discuss your matter.

Recent Articles

How self-driving cars will affect personal injury laws

While many technological developments are exciting, the law often struggles to keep up with their use. One such development is self-driving cars. We may not have driverless cars on Australian roads yet – but advancement is happening all the time. This brings up...

Time limits for personal injury claims in Queensland

If you’ve been injured as a result of someone’s negligence, you can make a compensation claim under personal injury law. However, you should act promptly as there are time limits (or statute of limitations) on personal injury claims. And different claim types have...

Compensation for lost earnings after a permanent disability

If you suffer a personal injury, such as a car accident or an accident at work, you may be eligible to claim compensation to cover lost earnings while you recover. But if you suffer a more serious physical or mental illness or injury, you may never fully recover or...

Factors that affect the value of your car accident claim

In Queensland, every car registration comes with CTP insurance. This protects you if you’re injured in a motor vehicle accident caused by someone else – whether you’re a driver, passenger, scooter rider or even pedestrian. If your relative or dependant has died in...

Why Settle A Personal Injury Claim Rather Than Go To Court?

In Australia, most personal injury claimed are settled without the need for a court. The legislation even encourages this, by requiring parties to attend a ‘compulsory conference’ to try to agree on a settlement before starting court proceedings. Is this the best...

Do You Get Sick & Annual Leave On Workers Compensation

In Australia, all workers except casuals accrue 4 weeks of paid annual leave each year, as well as other benefits like sick leave. This leave accumulates based on your ordinary hours of work. But what happens to your leave if you suffer a work-related injury and...

Top Causes Of Medical Negligence

All medical professionals must treat every patient with skill and care. In Australia, we’re lucky to have doctors, dentists, nurses and other health professionals who bring a wealth of skill and care to their job. But sometimes medical treatment doesn’t meet the...

No-fault Accident Compensation Schemes

If you suffer a catastrophic injury in Queensland, your life will change forever. So it’s good to know there is a no-fault accident compensation scheme that can provide funding for the services and support you need – perhaps even for the rest of your life. Find out...

Am I Covered If I’m Injured on a footpath in Queensland

Every day, people in Queensland suffer an injury while they’re using public footpaths. Many injuries are simple cuts and bruises, but others are more serious – broken bones, or even brain or spinal injuries. It’s important to know whether you can make a...

SETTLEMENT CALCULATOR

SERVICES

h

ARTICLES

CONTACT