What to do when a Cincinnati Life account holder dies

Required Documents

• Death certificate showing the final cause and manner of deathAn original certified copy is required at a face amount of $200,000 or more; a copy is accepted below that. A pending cause of death cannot be processed. One certificate covers all beneficiaries.
• Claimant's Statement for Life Insurance Benefits, in the beneficiary's state version, for a life policy; each claimant files a separate statementCLI-8682 for most states, CLI-8682-B for Indiana, Kentucky, Maryland, North Carolina, New Jersey, New York and Rhode Island, and the -ca version for California.
• Annuity Death Claim Packet CLI-8698, with Annuity Death Claim Form CLI-8310, where the claim is on an annuity contract
• The original policy or annuity contractDestroy the original life policy once the claim form covering it is filed. An annuity contract is returned unless Spousal Continuation is elected. If a life policy cannot be found, note it on the claim form.
• Policy number and the insured's detailsThe insured's name, address, Social Security number, date of birth and date of death, and a current mailing or email address for the beneficiary or claimant.
• Trustee Certification, the trust's EIN and an IRS EIN confirmation or verification letter, where a trust is the beneficiaryThe trustee completes Section B2. Each trustee signs a claim form and a Trustee Certification, which Cincinnati Life supplies. A copy of the trust document is not required.
• Copy of the Letters Testamentary and an IRS EIN confirmation or verification letter, where the estate is the beneficiaryA court-appointed executor or administrator completes Section B2 on the estate's behalf.
• Copies of the Letters of Guardianship of the minor's estate, where the beneficiary is a minorThe guardian of the minor's estate completes Section B1.
• Copy of the primary beneficiary's death certificate, where a contingent beneficiary is claiming
• Marriage certificate, divorce decree or court document, where the beneficiary's name has changed since the designationA marriage certificate or divorce decree for a marital change; a court document for a change by personal preference.
• Voided check or bank statement, where Electronic Funds Transfer is the chosen payment methodIt must show the accountholder name, routing number and account number.
• Assignment of benefits form, where proceeds are assigned to a funeral home, cemetery or other third partyThe third party supplies the form, and it must state the policy number and the amount assigned.
• Authorization to Release Medical Information, where death occurred within two years of policy issue or reinstatementThe Authorization for Release of Information is included in the Claimant's Statement packet.
• Agent's Certification, Physician's Statement, Employer Certification and medical records, for a contestable claimThe Agent's Certification comes from the agent who completed the application, the Physician's Statement from the insured's primary physician, and an Employer Certification where the policy was bought through an employer.