What does the life insurance claims process look like?

NOTE: this article is about life insurance. For information on filing a claim for Funeral Preplanning & Final Expense Insurance, download a claims form here to begin. You can also call us for assistance: 1-800-533-2220 for Funeral Preplanning Insurance policies, or 1-800-621-7162 for Final Expense Insurance policies.

How to file a life insurance claim 

Beneficiaries—the people you choose to receive the cash benefit from your policy—can file a life insurance claim either by phone, email or mail.

• Online: consumerclaim.trustage.com
• Phone: Please call 1-800-779-5433, Monday through Friday, 7:00AM to 5:00PM CT.
• Email: ConsumerClaims@trustage.com - to protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference.  Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.
• Mail: You can send copies of your claim information to:
  TruStage
  PO Box 61
  Waverly, IA 50677-9202
  
  TruStage™ Insurance is issued by CMFG Life Insurance Company

What information do I need to file a claim?

Please provide the insured's name, date of birth and date of death. The policy number(s) isn't necessary, but you can provide that, too. If you are not the beneficiary on the policy, you may be asked for the beneficiary's address. 

Please note: Policies in forced for two years or less may require additional documentation for claim review based on original contract language.

Will I be asked for additional information?

We may ask for more information if the policyholder died during an accident. Some of the most common accidents include:

• Motor Vehicle Accident: You may need to send the Police Report and the Blood Alcohol Report if the insured was driving at the time of the accident.
• Fall: You may need to send the Police/Accident/Incident Report or the Attending Physician’s Statement.
• Prescription Overdose: You may need to send the Police/Accident/Incident Report and a list of prescriptions from a doctor or pharmacist.
• Homicide: You may need to send the Police/Accident/Incident Report.

Be sure to talk to a TruStage agent and we will advise if you need to send the additional information listed above. However, in all of these cases, you will need to send a copy of a certified death certificate.

If the beneficiary is an estate (a collection of the deceased’s money, property and other possessions), a trust (an account that holds the deceased’s money for a certain amount of time), a minor (someone under 18) or is deceased themselves, additional documents will be needed to process a claim. Please contact one of our Claims Specialists for help.

How long will it take for my claim to be settled?

Normally, claims are processed 3-5 business days after we’ve received all completed documents and forms. However, sometimes we will need additional time in the event that a longer investigation is needed. Once processed, we’ll then send you a letter of confirmation, a state of values and your settlement check through the mail. We do have other payment options available. Please contact us for more information.