Life insurance death claim in India: where to start
A life-insurance death claim is made to the insurer that issued the policy. The policy type, nomination or assignment, and the circumstances and timing of the death can change what the insurer asks for.
The first steps
- Find the insurer, policy number and servicing branch or online claim channel.
- Notify the insurer and ask for the claim form and current policy-specific checklist.
- Confirm who should claim: nominee, assignee, trustee or another person entitled under the policy or estate.
- Submit the required documents through the insurer's stated channel and keep the claim reference.
- If the insurer asks for something extra, ask it to explain which policy term or claim circumstance requires it.