What to do when an Amica account holder dies
Report the death to Amica Life Claims at 1-800-234-5433
Filing a death claim on a Amica policy begins with notifying Amica Life Claims 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.
The claim process begins with a phone call to 1-800-234-5433. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
Follow these steps to file a death claim with Amica:
Filing a claim
Required Documents
- Completed life insurance or annuity claim formAmica mails it to each beneficiary after the claim is opened.
- Death certificateA certified death certificate is what settles the claim.
- Government-issued ID, for the beneficiary or claimant
- Trust documents and trustee ID, if a trust is the beneficiary
- Medical records or a physician's statement, if the policy is within the contestability period, or if Amica asks for them
Claims Contact
Website: Online portal →
Forms Amica issues1
What happens to each kind of account1
- Auto, home or renters policy
Amica auto, home, umbrella and marine policies have no death benefit and are not claimed on death. The named insured's policy does not automatically transfer.1
Notify Amica's property and casualty line to keep the property insured during administration, then transfer the coverage to the heir or trust receiving the property, or cancel it once the property is distributed or sold. Unearned premium on a cancelled policy is refunded to the estate.1
Help Amica offers survivors1
- Empathy
Amica partners with Empathy to give beneficiaries free, on-demand practical and emotional support: planning a funeral or religious ceremony, finding documents, closing accounts, grief resources, guidance for probate and estate settlement, and a dedicated care manager.3
Who qualifies: Beneficiaries.
What Amica's agreement and guidance say1
- Contestability of a recent policy
Amica may need to obtain medical history information, including doctors' names and treatments, particularly within the two-year contestability period.1
A claim can take longer if documents are incomplete, if medical history is needed, if the policy is within the two-year contestability period, or if the circumstances of death need further investigation.1
Generally five to 10 business days once all claim requirements are received.
Amica Life Claims can be reached by phone at 1-800-234-5433 for questions throughout the claims process.
Sources
Data sourced from Amica primary sources (15 pages reviewed). How we research.
Amica death claims support
Amica Life Claims (ask for Life Claims)
Phone
Life Claims
P&C Claims (Auto, Home, Marine, Umbrella)
Hours
Mailing address
Website
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