Claims assistance questions

FAQs: Claims

How do I obtain a death claim form?

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

What information do I need to submit a claim?

We will need a completed claimant’s statement, a 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.

Will you accept a copy of a death certificate?

A copy of a death certificate is accepted if the death benefit is $10,000 or less. A certified death certificate is required for a death benefit of $10,000.01 and above.

Do you accept faxed or scanned death claim paperwork?

We do accept faxed or scanned death claim paperwork if the death benefit is $10,000 and below. If the death benefit is $10,000.01 and above, the claim paperwork MUST be mailed.

Where should I mail the death claim documents?

The Baltimore Life Insurance Company
Attn: Claims Department
10075 Red Run Blvd.
Owings Mills, MD 21117
Fax: (866) 879-9867
E-mail Address:

When will I receive my check?

Your claim will usually be processed within 10 business days from the time we receive all required information. Your check will be mailed direct or to your local agency for delivery.

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

Yes, we may pay the proceeds directly to the funeral home if an assignment is completed and signed by the beneficiary(ies.) This can be obtained from the funeral home.

What are Letters of Testamentary/Administration?

Letters of Testamentary/Administration appoint 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?

State laws will be reviewed to determine how the proceeds can be paid.

We need to file a death claim, but the beneficiary is also deceased. Who will receive 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 review the laws of your state to make a determination.

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

Taxes are generally only payable on any interest that you received 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.

How much insurance do you need? How much insurance do you need?

Learn about Financial Needs Analysis, a no-cost, no-obligation way to find out.

Let's Talk
Have an Agent Contact Me Allow us to connect you with an agent.

Let one of our experienced professionals help answer your product or insurance questions.

Contact Me