Personal lines (auto, home, boat, personal items) policyholders can register to view and print policy documents, including auto ID cards. Directly billed policyholders can also view and print billing statements.
Directly billed policyholders can make a one-time premium payment online from your bank account or credit card using this feature.
Personal lines (auto, home, boat, personal items) policyholders can register to view and print policy documents, including auto ID cards. Directly billed policyholders can also view and print billing statements.
Directly billed policyholders can make a one-time premium payment online from your bank account or credit card using this feature.
After the loss of a loved one, you may be faced with the overwhelming responsibility of making funeral arrangements, notifying friends and family and handling the estate. During that time, it is often very hard to think of all the things that need to be done and what questions to ask. Having a clear picture in advance can help alleviate additional stress.
Use this checklist as a starting place, as this is not intended to be an exhaustive list. Consider these some of the essential steps to be taken when a loved one dies.
Ask the funeral director to help obtain certified copies of the death certificate. Be sure to get multiple copies, as survivors will need these to file for life insurance and other benefits. The funeral director may also be able to assist in writing an obituary.
If applicable, speak with the Human Resources department about any paperwork to be completed, benefits and pay due to the estate and whether the deceased had life insurance through the employer. Find out the options to continue medical coverage for family members covered under the company’s health plan.
These include items such as a will, birth certificate, Social Security card, bank statements, car titles or property deeds.
If the deceased was a member, the organization may provide benefits or want to participate in funeral services.
It is important to notify these agencies to stop payments and inquire about survivor benefits.
Contact the company about filing a claim. Ask what documents are needed, how long the process takes and what to expect during the process. If you don’t know if your loved one had life insurance, try contacting your state insurance department to find out if it has a resource to search for missing life insurance policies. You may need the person’s name, date of birth, Social Security number and address to conduct the search or request information.
Review the will of the deceased, if applicable. If items need to go through probate, ask how that process works.
A bank account can be necessary for refunds, overpayments or benefits to be paid even after the estate is settled. The executor may be the only one allowed to open such an account.
Contact service providers, such as utility companies, cable, internet and phone, to change or discontinue services. Reviewing a bank or credit card statement may help to identify less obvious monthly payments or charges, like gym memberships, home security or other in-home or club services.
Reach out to any company where the decedent had an account or financial interest. Each institution or company probably has its own requirements for collecting the funds. Confer with an adviser before cashing out any investments.
Don’t let the house appear vacant, have them collect mail and take care of any pets on a temporary basis.
To submit a change of address request for someone who is deceased, you must go in-person to a Post Office location with documents showing you're the executor or administrator authorized to manage their mail.
Remember to ask questions -- lots of them. If you don’t understand or just don’t know, ask. Take a notebook with you to appointments, so you can make notes of the meetings. The added emotional stress of this difficult time can make it challenging to retain or understand all the information given to you. Taking notes can help you break it down into more manageable chunks. And don’t try to handle it all on your own. Find a trusted friend, family member or support group to help you through the process.
Filing a Life, Annuity or Disability Claims
Neither The Cincinnati Life Insurance Company nor its affiliates or representatives offer tax or legal advice. Consult with your tax adviser or attorney about your specific situation. For policy service and additional information, speak to an independent agent representing The Cincinnati Life Insurance Company. For a complete statement of the coverages and exclusions, please see the policy contract. All applicants are subject to underwriting approval. Products and riders available in most states.
