Loss of life claims
How to file a claim
We are sorry for your loss. We know that making a life insurance claim can be challenging. At FWD, you can either contact your agents or give us a call on +632 8888 8388.
Alternatively, you can also do this via our customer app Tapp (if you have the login details of the insured person), or the Customer Connect Portal.
We also recommend you to submit your claim within 90 days of the event.
We are sorry for your loss. We know that making a life insurance claim can be challenging. At FWD, you can either contact your agents or give us a call on +632 8888 8388.
Alternatively, you can also do this via our customer app Tapp (if you have the login details of the insured person), or the Customer Connect Portal.
We also recommend you to submit your claim within 90 days of the event.
Certified original
- We need all medical and hospital records to support a loss of life claim - including:
- Hospital admission records
- Diagnostic tests
- Clinical abstract
- Discharge summary
Original
- The insured person’s death certificate. Please note, this must be an original copy issued by the Local Civil Registrar (LCR) or by the Philippines Statistics Authority (PSA)
- Proof of relationship between the insured person and you, the beneficiary. Examples are below:
- For children beneficiaries: original PSA copy of birth certificate(s)
- For husband/wife beneficiary: original PSA copy of marriage contract
Copies
Copy of both insured person and beneficiary's government ID. Must include date of birth, photo, and signature.
If death was due to accident or injury:
Certified true copy police report or police traffic incident report, if any.
What does ‘certified’ mean?
This means the document must be checked and signed by the relevant authority – for example, the police or a hospital.
Download FWD Tapp via
FWD Customer Connect Center
19/F W Fifth Avenue Building,
5th Avenue corner 32nd Street,
Bonifacio Global City, Taguig City 1634
How we deal with claims
We know that if you’re making a claim, you’re probably already going through a difficult time.
So it’s part of our job to make insurance claims as quick and as easy as possible.
Here are some of the questions you might have and the answers we can give you.
Is there a time limit for making a claim?
Yes there is. Please submit claims (including loss of life) within 90 days of the event that you’re claiming for. One of our dedicated claims ambassadors will then get in touch with you within 24 hours to confirm that we’ve received your claim.
When will you make a decision on my claim?
We aim to make a decision within 30 working days. If we agree to pay the claim, we’ll make the payment within five working days. If it’s a direct debit payment (straight to your bank account) this should be done within two to three working days.
How will you pay me?
Looking to make a different claim?
We have 'how to claim' guides for all types of insurance plans. Simply select from one of the options below.
Frequently asked questions
- 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:
- Legal spouse
- Legitimate child/children
- Illegitimate child/children
- Parent/s
- Brother(s) and / or sister(s) of the half-blood
- Legal owners of the insured person’s estate
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.
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.
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 claimsconnect.ph@fwd.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.
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