How do claims work?

Generally speaking, if you die for a covered reason while you have in-force coverage, your beneficiary will receive a death benefit.

Kaycie Gaige avatar
Written by Kaycie Gaige
Updated over a week ago

As long as your cause of death is covered by your life insurance policy and your policy is still active and in force, your beneficiary will receive a death benefit if you pass away.

In order for benefits to be paid, your beneficiary (or someone else) will need to file a claim and provide proof of loss, such as a copy of the final death certificate.

What’s a covered cause of death?

That’ll depend on your policy. For example, term life insurance from Fabric covers most causes of death (with the exception of death due to suicide or misrepresentation).

By contrast, accidental death insurance only covers death caused by an accident, such as a car crash. It does not cover death due to an illness. State-specific exclusions are outlined in the policy as well.

Fabric will assist with a pre-claims interview, which will then be provided to the insurance company. From there, the company will begin the formal claims process.

For policies purchased before September 2022, the insurer is Vantis Life Insurance Company. For policies purchased in and after September 2022, the insurer is Western-Southern Life Assurance Company.

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