what to do in case of death of the insured?

A step-by-step guide to what to do when you are going to establish an individual life insurance claim.

The beneficiary or legal representative of the estate must notify in writing the claim of the benefits payable upon the death of the insured within thirty (30) days of the death. Upon receipt of such notice, we will send the Claimant's Request Form which must be completed, signed and sent by the claimant (s) to our Administrative Office located at: 355 Alhambra Circle, Suite 1150, Coral Gables, Florida 33134 EE. UU together with the preliminary requirements indicated below:

  • Claimant Request
  • Original Contract of the Policy
  • Certified Copy of the Death Certificate
  • Medical Report certifying death
  • Autopsy Report
  • Copy of the birth certificate of the deceased and the claimants
  • Copy of the Identity Card of the deceased and the claimants
  • Copy of the Marriage Certificate of the deceased
  • Official Certification signed by an authorized entrepreneur of the funeral home or funeral parlor
  • Official Certification signed by an authorized employer of the Cemetery



All statements must be made under oath and official documents must be registered by a Notary Public, where their authority, authenticity of signature and official seal must appear on each declaration and / or document.
Designated Beneficiary. The declaration must be made by such beneficiary or assignee; and the documents must clearly show that each of the claimants is of legal age.
Conditional Assignment. The declaration must be made by the transferee and must accompany the original transfer certificate or a certified copy thereof.
Heritage of the deceased. This declaration must be made by the executor or administrator of the estate, whose appointment and power must be accompanied by a legal certificate evidencing said appointment.
Younger. The beneficiary must have a guardian, executor or legal representative to receive the benefit payment and must present satisfactory evidence that the will of the deceased has been duly legalized and that the testament names the guardian, executor, or legal representative to receive said payment. . In the absence of this evidence, the benefit payment will be deposited in accordance with the laws of the State of Florida, USA. in a fiduciary account in favor of minors, or in the corresponding court.
Primary beneficiary (deceased). The benefit of the policy must be paid to another natural or legal person. The death certificate of the deceased primary beneficiary must be submitted.
IF THE DEATH IS AS A RESULT OF: Accidental Death. An official report of the police and the hospital, clinic or morgue (if this is the case) where the deceased was transferred must be presented.
The supply of any blank application or form by the Company does not constitute an acknowledgment that there is a valid insurance policy on the life of the person whose death can be verified by them; nor will it prejudice the Company's right to maintain any and all legal defense that may be opened to it.
The Company, its affiliates and reinsurers reserve the right to request any other document, evidence or proof related to the death during the process of investigation of the claim. The intervention of third parties is not necessary for the collection of an approved claim