What to do when an Auto-Owners Life account holder dies
Report the death to Auto-Owners Life's Claims at 1-888-252-4626
When an insured person dies, the beneficiary or executor should contact Auto-Owners Life's Claims at 1-800-346-0346 to start the claims process. Insurance proceeds are paid directly to the named beneficiary and do not go through probate. How quickly the claim is processed depends on the policy type, documentation, and cause of death.
To start, call Auto-Owners Life at 1-800-346-0346. 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 Auto-Owners Life works as follows:
Filing a claim
- The agency's name is printed on policy and billing documents, and shown under Contact Us in online access.
- The "Life Email" topic on the Contact Us page sends a written question to the life company.
- A certified copy of the death certificate
- Government-issued photo ID for each beneficiary
- Trust documents and trustee identification when a trust is the beneficiary
Required Documents
- Claim form, after the claim is reportedAuto-Owners provides it; there is no public download.
- Certified death certificate
- Government-issued photo ID, for each beneficiary
- Policy number and the deceased person's information
- Trust documents and trustee identification, when a trust is the beneficiary
- Beneficiary election, for an annuity contractThe beneficiary's choice between a surviving spouse continuing the contract and taking the proceeds.
Claims Contact
Website: Online portal →
Forms Auto-Owners Life issues1
- Life claim form packet
Completed by the beneficiary. Sent by the institution on request.1
What happens to each kind of account1
- Annuity
Annuity funds pass directly to the beneficiaries with no surrender charges, and may avoid probate if payable to a named beneficiary. A surviving spouse may continue the contract.1
What Auto-Owners Life's agreement and guidance say1
- How proceeds are paid
Auto-Owners offers electronic claim payment by direct deposit to a checking or savings account, Venmo, PayPal, or the Auto-Owners Claim Card, which is accepted wherever Visa debit cards are. It describes the payment as arriving in minutes once issued.1
Not in Auto-Owners Life's published guidance1
- How long a claim takes
Sources1
Auto-Owners Life's Claims can be reached by phone at 1-888-252-4626 and fax at 1-517-323-8796 for questions throughout the claims process.
Sources
Data sourced from Auto-Owners Life primary sources (14 pages reviewed). How we research.
Auto-Owners Life death claims support
Claims (reported through the servicing independent agent)
Phone
Toll-free
After-hours claim reporting
Life & Health service line
Fax
Hours
Mailing address
Website
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