To report a death claim, contact our service center at 1-800-438-7180. When you call, please have the name of the deceased, the policy number(s), and the date of death on hand. Our service center will walk you through what we need for the claim and answer any questions you may have.
For most claims, we will need:
- A certified copy of the insured's death certificate
- The original policy
If your specific situation requires any additional forms, the service center will let you know which ones you need, and can fax or mail them to the beneficiary or a funeral home for the convenience of the family.
You may also report a claim by mail, fax or email. If you choose to report a claim using one of these methods, please be sure to complete the claim forms if the policy is less than 2 years old, especially the beneficiary information, so we can reach the beneficiary if we have any questions or need additional information. To report a claim using one of these methods, please contact us at:
Claims Department
P.O. Box 29045
Phoenix, AZ 85038
Fax: (602) 808-8845
Email: claims@londen-insurance.com
Assigning a Policy
When the beneficiary of a policy decides to assign the proceeds, they are instructing us to pay all, or a portion, of the death benefit directly to a funeral home to fund funeral services. For many, this is a simple way to reduce the stress of funeral planning. If you would like to assign your policy, we recommend you contact the funeral home that will be performing services, and let them know your intentions to assign.
When can I expect to receive the benefits?
In most cases, we issue the benefit check within 24 hours (or the following business day) of receiving the documents needed for the claim. We use standard mail so it may take about a week for the check to arrive. In some cases, we can overnight the proceeds (overnight fee will be deducted from the benefit check) or direct deposit them into an account. If you would like us to use one of these methods, please instruct us to do so when you call in the claim.
What if I can't find the original policy?
If the original policy can not be found, please include with the claim a signed statement that the policy has been lost or destroyed. Should the policy turn up at a later date, we simply ask that you destroy it.
How can I determine the beneficiary?
As long as the insured is still living, the owner of a policy can change the beneficiary at anytime. Because of this, the beneficiary stated on the original application may not be the current beneficiary. Always verify beneficiary information with us.
For most cases you can use the following as a guide to determine who the beneficiary is.
- If the primary beneficiary is alive (or was alive at the time of the insured's passing), they are the beneficiary of the policy.
- If the primary beneficiary passed away prior to the insured, the beneficiary is the contingent beneficiary.
- If there is no surviving beneficiary or no stated beneficiary, the beneficiary will either be the owner of policy or the estate of the insured depending on the provisions of the policy.
The beneficiary is the estate. What are my options?
- We can pay proceeds directly to the estate.
- The executor of the estate can assign the proceeds to a funeral home.
- If there is no executor or estate, the family can assign the proceeds to a funeral home using an affidavit of next of kin. If this is the case, please contact the claims department at the above phone number for further instructions.
- If there is no executor or estate, and the funeral has already been paid for, please contact the claims department for more information.