What to do when a Assurity account holder dies
Contact Assurity — 5-step process, 5 required documents, and claims processing time varies based on documentation completeness and policy review. contact assurity claims for current timelines. delays may occur if the policy is within the contestability period, documentation is incomplete, or circumstances of death require further investigation.
Customer Connections
Assurity Life Insurance Company, P.O. Box 82533, Lincoln, NE 68501-2533
Customer Connections
Assurity Life Insurance Company, P.O. Box 82533, Lincoln, NE 68501-2533
Claims Department
Assurity Life Insurance Company, P.O. Box 82533, Lincoln, NE 68501-2533
A death claim on a Assurity policy is filed through the Claims Department (1-800-869-0355 ext. 4484). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
Claims can be filed by phone (1-800-869-0355 ext. 4484) or by emailing documentation to claimsinfo@assurity.com. Before reaching out, gather the account holder's full name, account numbers, and a certified death certificate.
Death claim process
To file a claim after an account holder's death, here is what Assurity requires:
Filing a claim
- Locate the Assurity policy documents and note the policy number
- Obtain multiple certified copies of the death certificate from the local vital records office
- Call Assurity Claims at 800-869-0355, Ext. 4484
- New York policyholders (Assurity Life Insurance Company of New York): call 844-401-7585 to obtain the necessary claim forms
- Complete the Death Benefit Claim form
- Submit a certified death certificate with the claim
- Provide any additional documentation requested by the claims department
Required Documents
- Completed Death Benefit Claim form
- Certified death certificate
- Government-issued photo ID for the beneficiary
- Policy number and deceased's information
- Trust documents and trustee ID (if a trust is the beneficiary)
What to know at this institution
Notification of death can be reported by calling Assurity Claims at 800-869-0355, Ext. 4484. A state-specific death benefit claim package can be downloaded from the Customer Center at https://www.assurity.com/customer-center (select the claimant's state), or the generic Death Benefit Claim form is available at https://www.assurity.com/forms/claims/DeathBenefit.pdf. New York policyholders are served by Assurity Life Insurance Company of New York (Albany, NY); their claim forms line is 844-401-7585. Supplemental health and wellness claims can be submitted online through MyAssurity at myassurity.login.accounts.assurity.com. For death benefit claims questions, email claimsinfo@assurity.com.
Prepare your letter of instruction to Assurity
Assurity 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 instructionHow long the process takes at Assurity: Claims processing time varies based on documentation completeness and policy review. Contact Assurity Claims for current timelines. Delays may occur if the policy is within the contestability period, documentation is incomplete, or circumstances of death require further investigation. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Assurity includes Completed Death Benefit Claim form, Certified death certificate, and Government-issued photo ID for the beneficiary, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Yes. An ILIT can own an Assurity life insurance policy, removing the death benefit from the grantor's taxable estate. Use the Transfer of Ownership form (https://www.assurity.com/forms/TransferofOwnership.pdf) to transfer an existing policy to an ILIT, subject to the three-year lookback rule under IRC Section 2035. The trust can also own a new policy from inception. Once transferred, the grantor permanently relinquishes control. Assurity does not establish ILITs; work with an estate attorney to set one up. Contact Customer Connections at 800-869-0355, Ext. 4279 for the form.
Yes. Assurity life insurance policies (term, whole life, and universal life) accept a trust as a primary or contingent beneficiary so the death benefit pays directly into the trust at the insured's death, bypassing probate. Complete the Beneficiary Designation form (https://www.assurity.com/forms/BeneficiaryDesignation.pdf) and provide the full legal trust name, date the trust was established, and trust EIN. A Certificate of Trust or trust abstract is preferred over the full trust document. Disability income and critical illness policies cannot name a trust as beneficiary because benefits are paid directly to the insured during their lifetime.
Call Assurity Claims at 800-869-0355, Ext. 4484. You can download the state-specific death benefit claim package from the Customer Center at https://www.assurity.com/customer-center, or the generic Death Benefit Claim form at https://www.assurity.com/forms/claims/DeathBenefit.pdf. New York policyholders are served by Assurity Life Insurance Company of New York; their claim forms line is 844-401-7585. You will need to provide the policy number, deceased's information, and a certified death certificate. Submit completed forms by fax to 800-869-0368, by secure email, or by mail to Assurity Life Insurance Company, P.O. Box 82533, Lincoln, NE 68501-2533. Once Assurity confirms beneficiary designations, the beneficiary is advised of any additional required forms and supporting documentation. For questions, email claimsinfo@assurity.com.
Individual life insurance products (Term Life, Whole Life Protect+, Whole Life Perform+, and Universal Life) can name a trust as beneficiary and can be owned by an ILIT for estate tax planning. Disability income (Century+ and Income Protection+), critical illness, accidental death, and group employer-sponsored products cannot be retitled to a trust and do not support trust beneficiary designations, because benefits are paid directly to the insured (or to the estate, in the case of accidental death) during their lifetime. Group term, whole life, and critical illness coverage offered through an employer pays the death benefit to the employee's named beneficiary on file with the plan administrator.
Assurity's Claims Department can be reached by phone at 1-800-869-0355 ext. 4484, email at claimsinfo@assurity.com, and fax at 1-800-869-0368 for questions throughout the claims process.
Multiple Assurity policies may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Claims Department to confirm what applies.
Sources
Data sourced from Assurity primary sources (15 pages reviewed). How we research.
Customer Connections
Assurity Life Insurance Company, P.O. Box 82533, Lincoln, NE 68501-2533
Customer Connections
Assurity Life Insurance Company, P.O. Box 82533, Lincoln, NE 68501-2533
Claims Department
Assurity Life Insurance Company, P.O. Box 82533, Lincoln, NE 68501-2533
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