How do I file for a claim if there’s been a loss of life?
First, we’re sorry for your loss. If you need any help or support in your claim, please don’t hesitate to get in touch.
Our loss of life claims page is here. It should answer all your questions and let you know what to do next. Remember, if you have any questions or concerns, you can always give us a call.
How do I know if I can file a claim for loss of life?
Ordinarily, the primary beneficiary would make the claim. However, if the insured has no primary beneficiary, it would default to another person. Here’s the order of eligibility:
Designated living beneficiary
Primary beneficiary – this is the main recipient of the life insurance benefit at time that the insured person lost their life
Contingent beneficiary – this would be next in line to receive the life insurance benefit if no primary beneficiary or beneficiaries are alive
Owner – this person (or people) would receive the life insurance benefit if no designated beneficiaries are alive
Substitute beneficiaries – These people or person would be next in line – in the following order of priority:
Brother(s) and / or sister(s) of the half-blood
Legal owners of the insured person’s estate
Do I need to submit the original claim documents?
Where stated, we do need these, yes.
But to get your claim moving quickly, you can email a soft copy of your claim documents over to email@example.com. That way, we can start the process of assessing your claim. A soft copy could be a scan or a photo that you upload or send over electronically.
Remember, you can also submit hard copy documents to any FWD business hub or through your financial advisor or financial solutions consultant.
Can a child aged below 18 file a claim?
If they’re the named beneficiary then yes. But they must be represented by a legal guardian or appointed trustee who must fill out and submit the required forms.
I have the claim forms and documents ready. When should I file my claim?
We request that all claims (including loss of life) are made within 90 days. One of our dedicated claims ambassadors will then get in touch with you to confirm that we’ve received your claim and advise on next steps.
In case you’re not able to submit within the 90-day period, don’t worry! We will not invalidate nor reduce the claim if we find that it’s not practical to submit the requirements within the allowable time.