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What does my family need to do to claim my policy after I die?

Your family will need to notify the company and make a claim. They will need a copy of your death certificate, after which the life insurance company will be required to pay out within a certain number of days (e.g. 30 days) after receiving the paperwork otherwise they will have to pay interest on your death benefit. Below are the steps to claiming your life insurance benefit: Obtain policy details, if possible - store your policy somewhere that your family will be able to access Contact your life insurance agent - your life insurance agent can help your family file the claim. Otherwise, if they have switched careers or is no longer able to make the claim, your family can also make the claim themselves to the life insurance company. Obtain copies of the death certificate - the best time to claim your life insurance is immediately after the insured’s death Complete claim forms - complete the claim forms as directed by the life insurance company Choose your payment option - you can choose between either (1) lump sum, (2) payment installments with interest, (3) lifetime income which allows for payments of the death benefit spread throughout your life, and (4) interest-only option where you are paid on the death benefit’s interest while keeping the death benefit intact, which can then be passed down to your beneficiary. This entirely depends on if you have immediate expenses following the death of the insured and personal preference. In most cases, the death benefit is not taxable but the interest on the death benefit may count into taxable income. Consult with an Amplify Advisor to determine the most suitable option for you. Submit the paperwork - send the life insurance company the claims paperwork and death certificate by certified mail or with a return receipt to be able to track the paperwork and when it’s arrived to the life insurance company. After that it’s just a matter of waiting for the check to arrive in the mail.

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