What to do when a Assurant account holder dies
Contact Assurant — 6-step process, 6 required documents, and policy cancellation and premium refunds are typically processed within 30 to 60 days after receipt of all required documentation. outstanding property damage claims follow standard claims processing timelines, generally 30 to 45 days. lender-placed insurance transitions depend on the mortgage servicer's timeline.
Assurant Customer Support
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Assurant Customer Support
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Claims and Policy Services
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Filing a death claim on a Assurant policy begins with notifying the Claims and Policy Services at 1-800-358-0600. 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.
To start, call Assurant at 1-800-358-0600. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Death claim process
The death claim process at Assurant works as follows:
Filing a claim
- Renters insurance: call 1-800-432-8612 or log in to manage.myassurantpolicy.com
- Lender-placed homeowners insurance: contact the mortgage servicer who placed the policy
- Flood insurance: contact the Assurant Flood Portal at assurantfloodport.com
- Mobile device protection: contact the wireless carrier directly
- Extended warranties: contact the retailer's support portal
- Vehicle service contracts: call the number on the contract or visit vehiclecareplan.com
Required Documents
- Certified death certificate
- Letters testamentary or letters of administration (proof of estate representative authority)
- Policy number or account information for the relevant Assurant product
- Government-issued ID of the estate representative
- Mortgage account information (for lender-placed and flood policies)
- Documentation of any outstanding claims (damage reports, police reports for theft)
Claims Contact
What to know at this institution
Assurant does not offer traditional life insurance death benefits. When a policyholder dies, the primary actions are filing any outstanding property or casualty claims, canceling active policies, and obtaining premium refunds for unused coverage. For renters insurance, the estate can file claims for covered losses that occurred before the date of death. Personal property covered under the policy belongs to the estate and is distributed according to the will or state intestacy laws. For lender-placed insurance, the mortgage servicer is the primary point of contact and coordinates with Assurant on policy changes.
Prepare your letter of instruction to Assurant
Assurant provides its own letter-of-instruction form. Answer a few questions and we complete that official form for you to print and sign.
Build your letter of instructionProcessing timelines at Assurant: Policy cancellation and premium refunds are typically processed within 30 to 60 days after receipt of all required documentation. Outstanding property damage claims follow standard claims processing timelines, generally 30 to 45 days. Lender-placed insurance transitions depend on the mortgage servicer's timeline. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Assurant requires several documents to process a claim, including Certified death certificate, Letters testamentary or letters of administration (proof of estate representative authority), and Policy number or account information for the relevant Assurant product, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
No. Assurant divested its individual life insurance and employee benefits divisions in prior years. The company now focuses on specialty insurance and protection services across three segments: Global Housing (renters insurance, lender-placed homeowners insurance, manufactured housing insurance, flood insurance), Global Connected Living (mobile device protection, extended service contracts), and Global Automotive (vehicle service contracts, GAP insurance). Assurant's products do not include traditional life insurance death benefits or beneficiary designations in the estate planning sense.
No. Renters insurance is a property and casualty policy, not a life insurance product. It does not have a beneficiary designation or death benefit. The policy covers personal property and liability for the named insured and any additional insureds listed on the policy. If the policyholder dies, the estate representative can file claims for covered losses that occurred before the date of death and request cancellation with a refund of any unused premium.
Lender-placed homeowners insurance is placed by the mortgage servicer, not the borrower directly. When the borrower dies, the estate executor should contact the mortgage servicer to discuss the mortgage and associated insurance. The mortgage servicer coordinates with Assurant on any policy changes. If the estate maintains the property and obtains its own homeowners insurance, the lender-placed policy is typically canceled. The estate should maintain adequate property insurance on the home until it is sold or transferred.
Assurant sold its global prearranged funeral and final expense (preneed) business to CUNA Mutual Group in 2021; that business now operates under the TruStage brand. If your funeral policy or final expense life policy was originally issued through Assurant Preneed, the death claim is administered by TruStage / CUNA Mutual, not by Assurant. The estate or designated beneficiary should locate the original policy paperwork and contact the funeral home that arranged the prearrangement, or TruStage directly, to file the claim. Assurant's remaining products (renters, lender-placed homeowners, flood, device protection, vehicle service contracts) do not include any life insurance death benefit.
Assurant's Claims and Policy Services can be reached by phone at 1-800-358-0600 for questions throughout the claims process.
If the deceased held multiple Assurant policies, each may require a separate claim or have different documentation requirements. The Claims and Policy Services can confirm which accounts require individual attention and which can be processed together.
Sources
- assurant.com
- assurantfloodport.com
- ir.assurant.com
- manage.myassurantpolicy.com
- mywirelessclaim.com
- vehiclecareplan.com
Data sourced from Assurant primary sources (15 pages reviewed). How we research.
Assurant Customer Support
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Assurant Customer Support
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Claims and Policy Services
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
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