top of page

Claims

IMPORTANT !


Understand the contestability period!
 
Claims that occur during the contestable period of the policy may require additional documentation and, as a result, may extend the claims review process.
 
Read More
IMPORTANT Disclose the contestability period with your clients before leaving your appointment. Call your upline for more info on relaying this info to your clients. 


 
Submitting a death claim

1. Collect information.
  • How did the client die?
  • What is the date of death?
  • Has a death certificate been issued?  
​
2. Call the carrier claim dept.
3. Follow up with the insurer to make sure the claim pays out.
​
​
​
​
Submitting a claim - Disability/ Chronic & Critical Illness
​
1. Collect information.
  • What is the diagnosis?
  • What is the date of diagnosis?​​
  • Is the illness a qualifying condition and is it certified by a physician? Details​
​
2. Submit the claim.
  • If the condition qualifies. Submit the claim
  • If the condition does not qualify, don't submit the claim.
  • If you are not sure if it's a qualifying event, call the claims dept.
​
3. Follow up with the insurer to make sure the claim pays out.
​
​
​
​
​
bottom of page