Life Insurance Death Claim | EquiNet Equitable Life's advisor site

10 years

Death Claim Requirements:

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Face Amount of Insurance Per Insured
Years In Force (Post Issue or Reinstatement)	<$10,000	$10,000 to $250,000	$250,001 to $750,000	> $750,000
Greater Than 10 Years	*Express Claim If Qualifies or Claimant's Statement (Form #682TC, 682WU, 682ENT(WL & UL)	Claimant's Statement (Form #682TC, 682WU, 682ENT(WL & UL) Original Proof of Death - Death Certificate or Funeral Director's Statement of Death		Claimant's Statement (Form #682TC, 682WU, 682ENT(WL & UL) Physician's Statement Proof of Age (if not on file)

5 to 10 years

Face Amount of Insurance Per Insured
Years In Force (Post Issue or Reinstatement)	<$10,000	$10,000 to $250,000	$250,001 to $750,000	> $750,000

5 to 10 Years

Claimant's Statement
(Form #682TC, 682WU, 682ENT(WL & UL)
Original Proof of Death - Death Certificate or Funeral Director's Statement of Death
Proof of Age (if not on file )

Claimant's Statement
(Form #682TC, 682WU, 682ENT(WL & UL)
Physician's Statement
Proof of Age (if not on file)

3 to 5 years

Face Amount of Insurance Per Insured
Years In Force (Post Issue or Reinstatement)	<$10,000	$10,000 to $250,000	$250,001 to $750,000	> $750,000

3 to 5 Years

Claimant's Statement
(Form #682TC, 682WU, 682ENT(WL & UL)
Physician's Statement
Proof of Age (if not on file)

Less then 3 years

Face Amount of Insurance Per Insured
Years In Force (Post Issue or Reinstatement)	<$10,000	$10,000 to $250,000	$250,001 to $750,000	> $750,000

Less Than 3 Years

Claimant's Statement
(Form #682TC, 682WU, 682ENT(WL & UL)
Physician's Statement
Provincial Authorization for Government Health Plan (GHIP) Including Joint Insured(s) for Joint Coverages
Proof of Age (if not on file )

All Claims

Coroners Report at the Discretion of the Claims Adjudicator (Suicide/Accidents etc.).
The Claims Adjudicator reserves the right to request additional requirement on any claim where deemed necessary.

Express Claims

No claim documents are required if all of the following conditions are met:
* There is a living named beneficiary (ies) * Policy has been in force 10 years or more * Policy has not been reinstated within the last 10 years * If the death was accidental policy does not have an accidental rider * The Express Payment amount to be disbursed must be $10,000 or less Note: the Life Claims Adjudicator reserves the right to request additional requirements on any claim where deemed necessary.
If all of the above conditions are met, the advisor will need to confirm to the Claims Team the following: * Beneficiary (ies) is alive * Address of Beneficiary (ies), Executor’s Name and Address for Estate Beneficiaries * Funeral Home Details – Name, City,Telephone #, Website – Claims Department will confirm with Funeral Home * Quebec Policies only – Confirmation of relationship of named beneficiary (ies) to deceased