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If no one ever files a claim, what happens to a policy’s death benefit?
If no one ever files a claim, what happens to a policy’s death benefit?

When an insured dies, the insurance company will need to be notified to begin the process. If not, what happens then?

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

Generally speaking, if you’re the beneficiary of a life insurance policy, you’ll receive a death benefit if the insured passes away, as long as the cause of death is covered by the policy.

That said, to receive the benefit, you’ll need to file a claim. That includes providing evidence to the insurance company such as a copy of the death certificate.

Even without an officially filed claim, they’re required by law to do their best to identify any cases in which claims failed to find their way to beneficiaries.

Our partner and the insurance company of the policies we offer, Vantis Life, regularly checks its database against the Death Master File, which is a database made available to insurers by the Social Security Administration. There are a few things that could cause the policy to surface for the insurance company when they do so:

  • You never filed a claim

  • You didn’t finish filing the claim

  • Cause of death remains unknown

At that point, Vantis Life will launch an investigation to determine whether or not the benefits are payable. If they are, Vantis Life will contact and provide payment to the beneficiary.

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