To file a death claim, all you need to do is call
us at 888-397-8485 and notify us of the death. If you don't have
the policy number, you'll need to provide the deceased's name, address,
and date of birth or Social Security Number so we can properly identify
the policy.
Within three days after notifying us of the death, we'll send you a
letter, along with a claim form and instructions for completing the claim.
At that time, Protective Insurance usually asks you to return the claim form completed
by the beneficiary or beneficiaries, a certified death certificate, and
the original policy. If the original policy can't be found, you may fill
out the Lost Policy Statement contained on the claim form.
Once your claim has been settled, in most cases we'll set up a Protective Insurance
Immediate Benefit Account for you equal to your
total benefit amount and provide you with a checkbook for the account.
You may write checks as needed, just as you would with a personal "checkbook,"
and keep the account active for as long as you need it. Pay bills, buy
necessities, make investments…you don't have to rush into making long-term
financial decisions until you're ready. Your Immediate Benefit Account fund will continue to
accrue interest, and we'll provide you with a monthly statement of your
account as long as it remains open.
Your Protective Insurance agent can be a great resource when considering investment
options, so be sure to contact him or her if you have any questions about
your Immediate Benefit Account fund.
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