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 Vantis Life. From there Vantis Life will begin the formal claims process.