FAQs: Claims

How do I obtain a death claim form?

Call our Customer Service Department at 1-800-628-5433, and choose option 2. You may also email us at info@baltlife.com or click on “Contact us” above.

When will I receive my check?

Your claim will usually be processed within 10 business days from the time we receive all required information.

We need to use this policy to pay funeral expenses. Can you pay the funeral home directly?

Yes. We will pay the proceeds directly to the funeral home.

What information do I need to submit a claim?

You will need a completed claimant's statement, a certified death certificate, and the original policy(ies.), if available. Additional information may be needed in some cases. For example, if the death was accidental, an accident report may be needed. Letters of Administration showing the named executor of the estate may be required if the beneficiary is listed as the estate.

What is Letters of Testamentary/Administration?

Letters of Testamentary/Administration is a document appointing the administrator or personal representative of a decedent’s estate. They are usually issued by a probate court.

What happens if the beneficiary is a minor?

Policy benefits cannot be paid to a minor. State laws will be reviewed to make a determination.

Do you accept faxed or scanned death claim paperwork?

We do not accept faxed or scanned death claim documents. All death claim documents must be mailed.

Will you accept a copy of a death certificate?

No. An original certified death certificate is required.

We need to file a death claim, but the beneficiary is also deceased. Who will get the benefits and who should file the claim?

There are several possibilities depending on the circumstances. In most cases, benefits would be payable to the contingent beneficiary listed on the policy. If there is no contingent beneficiary, the benefits may be payable to the estate of the insured or the estate of the deceased beneficiary, depending on who died first.

If the beneficiary is incarcerated, can they receive the death claim proceeds?

We will need to review the laws of your state to make a determination.

Do I have to pay taxes on the death claim proceeds?

Taxes are payable only on any interest that was paid to you with the benefit proceeds, unless the policy was an annuity product. Consult your tax advisor for further details.

What is a contestable claim?

A contestable claim occurs when the insured dies within two years of the policy issue or reinstatement date. If this happens, an investigation may occur.

Where can I mail the death claim documents?

The Baltimore Life Insurance Company
Attn: Claims Department
10075 Red Run Blvd.
Owings Mills, MD 21117

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