What to do when an Assurant account holder dies
Report the death to Assurant's DFS Claims Department at 1-800-327-5288
Filing a death claim on a Assurant policy begins with notifying the DFS Claims Department at 1-800-327-5288. 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 1-800-327-5288. Have the account holder's full name, account numbers, and the death certificate ready before you call.
Death claim process
The death claim process at Assurant works as follows:
Filing a claim
- Credit card credit life (American Bankers Management Company): "Death Claim Form", P.O. Box 977122, Miami, FL 33197-7122, 1-800-366-2286
- Credit card life (American Bankers Life Assurance Company of Florida or Time Insurance Company): "Death Claim Form - Life Credit Card", 1-800-859-0490
- Installment loan, line of credit or other loan: "Credit Life Death Claim Form", 1-800-327-5288
- Mortgage life (American Bankers Life Assurance Company of Florida or Union Security Insurance Company): "Mortgage Death Claim Form" (C2011-1023), 1-800-327-5288
- Accidental death: "Accidental Death Claim Form" (a USIC and USLIC variant is published separately)
- Special products: "Death Benefit Claim Form" (C1276-1023)
- New York residents: the New York form issued by Union Security Life Insurance Company of New York, 1-877-438-7085
- Renters insurance: (888) 260-7736 or the policy portal
- Housing and lender-placed homeowners insurance: 1-800-358-0600
- Flood: the Assurant Flood Portal, then 1-800-423-4403 (NFIP) or 1-800-280-3309 (Voyager private flood)
- Mobile device protection: the wireless carrier first, then mywirelessclaim.com for an open claim
- Extended warranties: the retailer portal the plan was sold under (Lowe's Protection Plus, Amazon, Harbor Freight, Whirlpool)
- Vehicle service contracts: 1-800-621-2130, vehiclecareplan.com or autoclaims.com
Required Documents
- Death certificateThe credit insurance forms ask for a copy of the certified death certificate.
- The Assurant death claim form matching the product and the carrierThe carrier is named on the certificate of insurance. New York residents use the Union Security Life Insurance Company of New York form.
- HIPAA Authorization to Release Information, where the form includes oneIt accompanies the credit life, mortgage and death benefit forms. New York has its own version.
- Entire credit card billing statement, including the top portion, for a credit card claimThe statement covering the date the insured died.
- Payoff statement and ledger card or statement of account as of the date of death, for a loan or mortgage claim
- Certificate of Insurance and Application for Credit Insurance, if available
- Creditor section, completed and signed by the lenderSection B or C, completed by the creditor or financial institution where the coverage was bought.
- Letters testamentary or letters of administration, and government-issued ID, where the estate rather than a joint borrower is making the claim
- Policy, certificate, contract or account numberFor the Assurant product the claim concerns.
- Documentation of any open property claimDamage reports, or a police report for a theft.
Forms Assurant issues7
- Death Claim Form (credit card credit life, American Bankers Management Company)
Available to download.1
- Death Claim Form - Life Credit Card (American Bankers Life Assurance Company of Florida or Time Insurance Company)
Available to download.1
- Credit Life Death Claim Form (net payoff, closed-end monthly outstanding balance, AD&D, gross decreasing or level)
Available to download.1
- Mortgage Death Claim Form (C2011-1023)
Available to download.1
- Accidental Death Claim Form (a USIC and USLIC variant is published separately)
Available to download.1
- Death Benefit Claim Form (C1276-1023)
Available to download.1
What happens to each kind of account3
- Life insurance policy
Assurant's Financial Services line administers credit life, credit card life, mortgage life and accidental death coverage, which pays on death.1
The carriers on the current forms are American Bankers Life Assurance Company of Florida, American Bankers Management Company, Union Security Insurance Company, Union Security Life Insurance Company of New York and Time Insurance Company.1
- Auto, home or renters policy
There is no death benefit. A covered loss that occurred before the date of death belongs to the estate; on a renters policy, file that claim, then cancel the policy and request the unearned premium.1
For lender-placed homeowners insurance, put the estate's own homeowners policy in force and file proof at mycoverageinfo.com so the force-placed policy comes off. The change runs on the mortgage servicer's schedule, not Assurant's.1
- Debt protection, GAP or service contract
A mobile device protection plan rides on the wireless line, so deal with the wireless carrier first. An open claim goes through mywirelessclaim.com.1
For a vehicle service contract, ask about a pro rata refund if the estate sells the vehicle or pays the loan off.1
State requirements Assurant statesNew York
- New York
A New York resident's claim uses the New York form issued by Union Security Life Insurance Company of New York and the New York HIPAA authorization. The general forms are not accepted for a New York claim.1
Accounts handled elsewhere5
- TruStage (funeral preplanning)
Prepaid funeral policies issued through Assurant Preneed1
Phone: 1-800-533-2220
- TruStage (final expense)
Final expense policies issued through Assurant Preneed1
Phone: 1-800-621-7162
- National General
Former Assurant Health policies, now supplemental with National General2
Phone: 1-866-387-0484
- Sun Life Financial
Former Assurant Dental policies2
Phone: 1-800-442-7742
- Assurant Canada
Canadian policies, with its own forms, its own claims portal and a claims address in Hamilton, Ontario1
What Assurant's agreement and guidance say2
- How proceeds are paid
Every one of the credit insurance forms states that benefit payments are paid directly to the creditor, not to the estate. On a credit card claim the payment shows up on the monthly billing statement.1
- Payments after the death
Every form says to keep making the scheduled payments until Assurant says the claim is approved.1
Sources2
15 business days to process a mailed credit insurance death claim after receipt.
Assurant's DFS Claims Department can be reached by phone at 1-800-327-5288 and fax at 1-305-252-6910 for questions throughout the claims process.
Sources
Show 5 more sourcesShow fewer sources
Data sourced from Assurant primary sources (19 pages reviewed). How we research.
Assurant death claims support
DFS Claims Department
Phone
Credit card credit life
Credit card life (ABLAC / Time Insurance Company)
New York residents only
Housing and lender-placed homeowners claims
Renters Insurance claims
Flood claims (NFIP)
Flood claims (Voyager private flood)
Automotive claims
Unclaimed Funds
Fax
Mailing address
Website
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