What to do when a Amica account holder dies
Contact Amica — 6-step process, 6 required documents, and once all claim requirements are received, a settlement is typically processed within 5 to 10 business days. delays may occur if documentation is incomplete, if medical history information is needed, if the policy is within the two-year contestability period, or if the circumstances of death require further investigation.
Amica Life Customer Service
Phone1-800-234-5433
Mailing Address
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
P&C Customer Service (Auto, Home, Umbrella)
Life Sales
Life Billing & Payments
Account & Technical Help
WebsiteLearn more→
Amica Life Customer Service
Phone1-800-234-5433
Mailing Address
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
P&C Customer Service (Auto, Home, Umbrella)
Life Sales
Life Billing & Payments
Account & Technical Help
WebsiteLearn more→
Life Claims Department
Phone1-800-234-5433
Mailing Address
Amica Scan Center, PO Box 9690, Providence, RI 02940-9690
Life Claims Extension
P&C Claims (Auto, Home, Marine)
WebsiteNotify online→
Verified Apr 2026
Filing a death claim on a Amica policy begins with notifying the Life Claims Department at 1-800-234-5433. Life insurance claims are separate from probate—proceeds transfer directly to named beneficiaries regardless of whether the estate goes through court. The timeline and documentation requirements depend on the policy type and cause of death.
Death claims at Amica can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
Follow these steps to file a death claim with Amica:
Filing a claim
1
Locate the Amica life insurance or annuity policy documents and note the policy number
2
Call Amica Life Claims at 800-234-5433, ext. 89079, and ask for Life Claims (weekdays, 8:30am-5:00pm ET)
3
Provide the policy number, deceased's information, and date and cause of death
4
Gather and submit required documentation:
- Certified death certificate (request 5-10 copies from the funeral director)
- Completed claim form (provided by Amica after initial contact)
- Government-issued ID for the beneficiary or claimant
- Trust documents and trustee ID if a trust is the beneficiary
5
An Amica representative will guide you through the settlement process and advise on payout options
6
Set up direct deposit for faster payment if available
Required Documents
- Completed life insurance or annuity claim form (provided by Amica after initial contact)
- Certified death certificate
- Government-issued ID for the beneficiary or claimant
- Policy number and deceased's information
- Trust documents and trustee ID (if a trust is the beneficiary)
- Medical records or physician's statement (if the policy is within the contestability period or if requested)
Maintain all life insurance policies, annuity contracts, wills, and financial instructions in a secure physical or digital location and ensure a trusted family member or close friend knows where they are stored. Review the deceased's checkbook and credit card statements for payments to insurance companies to identify all active policies. In some instances, Amica may need to obtain medical history information, including doctors' names and medical treatments. Amica provides access to the Empathy app to help grieving families navigate bereavement challenges and administrative tasks. Life insurance death benefits are generally not subject to income tax for the beneficiary.
Processing timelines at Amica: Once all claim requirements are received, a settlement is typically processed within 5 to 10 business days. Delays may occur if documentation is incomplete, if medical history information is needed, if the policy is within the two-year contestability period, or if the circumstances of death require further investigation. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by Amica includes Completed life insurance or annuity claim form (provided by Amica after initial contact), Certified death certificate, and Government-issued ID for the beneficiary or claimant, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Call Amica Life Claims at 800-234-5433, ext. 89079 (weekdays, 8:30am-5:00pm ET) and ask for Life Claims. Have the policy number and a certified death certificate available. An Amica representative will guide you through the process, explain documentation requirements, and mail you the claim form. You can also report a claim online through the Amica claim center. Submit completed forms and documentation by mail to Amica Scan Center, PO Box 9690, Providence, RI 02940-9690.
Yes. Amica life insurance policies allow you to name a trust as the primary or contingent beneficiary. Contact Amica Life at 800-234-5433 (weekdays, 8:00am-7:00pm ET) to request the beneficiary change form. On the form, provide the full legal trust name exactly as it appears in the trust document, the date the trust was established, and the trust EIN. Include a Certificate of Trust or trust abstract (do not send the full trust document unless requested). Submit the completed form by mail to Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700. For estate tax planning, an Irrevocable Life Insurance Trust (ILIT) can own the policy, removing the death benefit from the grantor's taxable estate.
When a home is transferred to a revocable living trust, the homeowners insurance policy should be updated to reflect the trust as the named insured. Contact Amica Mutual (property and casualty) at 800-242-6422 to request the update. Provide the full legal trust name, the date the trust was established, and the trustee information. This ensures the property remains properly insured under the trust ownership. Amica auto and umbrella policies may also need to be updated if the insured has passed away or if ownership has changed.
Amica's Life Claims Department can be reached by phone at 1-800-234-5433 for questions throughout the claims process.
If the deceased held multiple Amica policies, each may require a separate claim or have different documentation requirements. The Life Claims Department can confirm which accounts require individual attention and which can be processed together.
Amica Life Customer Service
Phone1-800-234-5433
Mailing Address
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
P&C Customer Service (Auto, Home, Umbrella)
Life Sales
Life Billing & Payments
Account & Technical Help
WebsiteLearn more→
Amica Life Customer Service
Phone1-800-234-5433
Mailing Address
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
P&C Customer Service (Auto, Home, Umbrella)
Life Sales
Life Billing & Payments
Account & Technical Help
WebsiteLearn more→
Life Claims Department
Phone1-800-234-5433
Mailing Address
Amica Scan Center, PO Box 9690, Providence, RI 02940-9690
Life Claims Extension
P&C Claims (Auto, Home, Marine)
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Amica accounts and other assets with trusts, beneficiary designations, and estate planning documents.
