What to do when an Allstate account holder dies
Report the death to Allstate at 1-800-424-1592
A death claim on a Allstate policy is filed through Allstate (1-800-424-1592). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
Death claim process
To file a claim after an account holder's death, here is what Allstate requires:
Filing a claim
- Issued by Allstate Life Insurance Company or Allstate Assurance Company: sold to Everlake in 2021 and now serviced by Transaction Applications Group, Inc. (TAG). The policy number did not change.
- Issued by Allstate Life Insurance Company of New York: now Wilton Re Life Company of New York. Those policies generally start with "03", "GA", "LB" or "7".
- An Allstate Digital Life policy (see the policy declaration): email LifeProtection@allstate.com.
- Employer voluntary benefits: Allstate sold that business to The Standard effective April 1, 2025. The Standard's group supplemental products are offered by American Heritage Life Insurance Company.
- A policy issued by Protective Life Insurance Company: Protective handles the claim.
- The deceased person's name, address, policy numbers, date of birth and Social Security number
- Marital status and, if divorced, when and where
- Date, cause and manner of death, and whether the death occurred in a foreign country
- The funeral home's name, address and phone
- Each beneficiary's name, address, phone, date of birth, Social Security number, email and relationship
- Each beneficiary completes the enclosed claim form in its entirety
- Include a certified copy of the death certificate and return the original policy or contract if available
- If the policy cannot be found, select "The original policy(ies), or a copy, cannot be found" in Section D of the claim form
- Include the substitute W-9 if the packet contains one
- If the trustee has changed from Protective's records, include a copy of the pertinent trust pages
- Claims less than $500,000: email claims@protective.com or fax 205-268-6833
- Claims more than $500,000, or by preference: mail to Claims, P.O. Box 12486, Birmingham, AL 35202
- Mail to American Heritage Life Insurance Company, 4920 San Pablo Road S, Suite 200C, Jacksonville, FL 32224-6687.
- The Life & Accidental Death Claims Checklist gives 1.866.428.2516 as the fax for claim submissions.
Required Documents
- Information to start the claimPolicy number (if available), issuing company, and the policyholder's full name, Social Security number, date of birth, date of death and place of death.
- Claim form for each beneficiary, for a policy issued by ProtectiveEnclosed in the claim packet Protective mails; each beneficiary completes it in its entirety.
- Death certificate, for a policy issued by ProtectiveProtective asks for "a certified copy of the death certificate."
- Original policy or contract, if availableIf it cannot be found, select "The original policy(ies), or a copy, cannot be found" in Section D of the claim form.
- Substitute W-9, if the packet contains one
- Beneficiary identification, for a policy issued by Protective
- Pertinent trust pages, if a trust is the beneficiary and the trustee has changed from Protective's records
- Foreign death documents, for a policy issued by Protective, if the insured died outside the USThe official death certificate issued in the country of death, a completed Death of a US Citizen Abroad Questionnaire and Proof of Death, and a statement from the local doctor who certified the death.
- Death certificate, for American Heritage Life coverageThe claim form asks for "one copy of the death certificate, including the cause of death" and says "A certified copy of the death certificate may be required."
- Group claim documents, for American Heritage Life coverageA voided check for direct deposit, the employer's statement for group coverage, a copy of the policy and application for coverage, a signed funeral home assignment if applicable, and estate information if applicable.
- Accident or police report, autopsy and/or toxicology report, for American Heritage Life coverage, if applicable
- Consular report of death from the U.S. Embassy, for American Heritage Life coverage, if the death occurred outside the United States or its territories
- Court-appointed guardianship of the beneficiary's property, for American Heritage Life coverage, if the beneficiary is under 21
Claims Contact
Website: Online portal →
Forms Allstate issues3
- Life Claim New Loss Report (ALR5253-3)
Completed by the person reporting the claim; an Allstate agent completes the agent section. Available to download.1
- Protective claim form, in the claim packet
Completed by each beneficiary. Sent by the institution on request.2
- Life Coverage Claim Form (ABJ21592-4)
Completed by each beneficiary. Available to download.3
Accounts handled elsewhere5
- Everlake (serviced by TAG): life products
Life policies of the former Allstate Life Insurance Company or Allstate Assurance Company, except registered products4
Phone: 1-844-953-0347
Email: ELCustomerService@everlake.nttdata.com
Fax: 1-833-636-0034
Hours: Monday-Friday 8:00 AM-7:00 PM CT; Saturday 8:00 AM-4:30 PM CT
Mailing address: Everlake, PO Box 83328, Lincoln, NE 68501
- Everlake (serviced by TAG): annuities
Everlake annuities except the Helmsman and Horizon Variable Annuities and RightFit4
Phone: 1-844-953-2815
Email: ELCustomerService@everlake.nttdata.com
Fax: 1-833-636-0034
Hours: Monday-Friday 8:00 AM-6:00 PM CT
Mailing address: Everlake, PO Box 83328, Lincoln, NE 68501
- Everlake (serviced by TAG): variable universal life claims
Everlake variable universal life claims5
Phone: 1-833-879-0774
Fax: 1-833-636-0035
Mailing address: Everlake Life Claims, PO Box 82207, Lincoln, NE 68501
- Wilton Re Life Company of New York
Policies formerly issued by Allstate Life Insurance Company of New York6
Phone: 1-800-262-1028
- American Heritage Life Insurance Company (The Standard)
American Heritage Life life coverage claims3
Phone: 1-800-521-3535
Fax: 1-866-424-8482
Mailing address: American Heritage Life Insurance Company, 4920 San Pablo Road S, Suite 200C, Jacksonville, FL 32224-6687
What Allstate's agreement and guidance say4
- Telling the institution
Protective says there is technically no limit on how long a beneficiary has to file a claim, and it prefers to be notified as soon as possible.2
- Wills, probate and small estates
Where the estate is not being probated, Protective asks the claimant to speak to a claims specialist, who will advise completing an affidavit or guide the claimant to have the estate probated.2
- How proceeds are paid
Protective pays by ACH, check or an immediate benefit account (if available) on most products; a policy may have its own settlement options.2
A beneficiary whose benefit is $25,000 or more may elect an immediate benefit account, an interest-bearing draft account, where the state allows it.2
Allstate says that once a claim is processed it can mail the check, deposit it to the beneficiary's account, or have the agent hand it over in person.7
- What it says about taxes
Protective's claims FAQ describes IRS Form 712 as "a statement that provides Life Insurance Policy values as of the date of an insured's or policy owner's death."2
Protective says "Normally, taxes are payable only on the interest paid on the death benefit proceeds or on the gain on an annuity contract."2
Sources7
- 1.Life Claim New Loss Report, ALR5253-3 7/20
- 2.Claims
- 3.Life Coverage Claim Form, ABJ21592-4 (8/23)
- 4.Everlake Policy and Contract Transition Frequently Asked Questions, 3/16/2026
- 5.Life Claims
- 6.For Policyholders
- 7.Life insurance claims
Protective says a claim generally takes about 2 to 3 weeks, and payment is issued within 6 business days of approval.
Allstate can be reached by phone at 1-800-424-1592, email at claims@protective.com, and fax at 1-205-268-6833 for questions throughout the claims process.
Sources
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Data sourced from Allstate primary sources (50 pages reviewed). How we research.
Allstate death claims support
Phone
Allstate Life Claims intake
Allstate annuity claims
Legacy Allstate Life policy claims (Everlake/TAG)
Legacy Allstate Life variable universal life (Everlake/TAG)
Legacy Allstate annuity claims (Everlake/TAG)
Legacy Allstate Life of New York claims
Employer group life claims
Fax
Hours
Mailing address
Website
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