| Face Amount of Insurance (Per Life Insured) |
| Years Inforce (from Issue or Reinstatement date) |
Total Death Benefit of Insured (combining all EQ policies for the insured) |
| Up to $50,000 |
$50,001 to $500,000 |
$500,001 to $1,000,000 |
$1,000,001 or greater |
| 5+ Years |
Express Payment* (see below) |
- Claimant's Statement
- Proof of death (Death Certificate or Funeral Directors statement)
|
- Claimant's Statement
- Physician's Statement
(or med records from attending physician)
- Proof of Age
(if not on file)
|
| 3+ to 5 Years |
- Claimant's Statement
- Physician's Statement
(or med records from attending physician)
- Proof of Age (if not on file)
|
| Less Than 3 Years |
- Claimant's Statement
- Physician's Statement (or med records from attending physician)
- Proof of Age (if not on file)
- Provincial Authorization for Government Health Plan
|
| All Claims |
Depending on the details of the claim the adjudicator may ask for:
- Copy of the Will
- Coroner's report or Police report
(Suicide/accidents/homicide/suspicious deaths, death as a results drug/alcohol)
- Travel documentation for Foreign Claims
- Other
|
| * Express Claims |
No claim documents are required if:
- There is a living beneficiary(ies).
- Beneficiary should not be a corporation or trust and must be 18 years of age or older.
- Death must be from natural causes.
- Deaths outside Canada or the US, disappearance and accidental death are excluded.
Note:
- If the beneficiary is an Estate, we will require a copy of the insured's final Will.
- The Claims Ajudicator may need to request additional information depending on the details of the claim.
If all above are met, we will need confirmation of:
- Beneficiary is alive and address of the beneficiary (Executor's name, address and a copy of the final Will when Estate is beneficiary)
- Quebec - Confirmation of relationship of named beneficiaries to deceased
- Deceased Full Name
- Deceased Date of Birth
- Deceased Date, Place and Cause of Death
- Name, Address and Phone Number of funeral home
- All express claims will have an independent validation of death by calling the funeral home and/or online obituary validation.
|
