Death Claim Requirements

Death Claim Requirements
 
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: The Claims Adjudicator 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 and address 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.