What to do when a Continental General account holder dies
Contact Continental General — 7-step process, 5 required documents, and life insurance death claims are typically processed within 30 to 60 days from receipt of all required documentation. if the company does not receive the completed claim form within 15 days after notice of death is submitted, written proof of loss can be sent without waiting for the form. delays may occur if documentation is incomplete or the policy is within the contestability period.
Policyholder Services
Phone1-866-830-0607
Mailing Address
Continental General Insurance Company, P.O. Box 203098, Austin, TX 78720-3098
Life Insurance (policies issued before 1/1/2025)
Annuities
Kanawha Long-Term Care Policies
Kanawha Deferred Annuities
Disability Policies (Kanawha)
Kanawha / MetLife Accident & Health
WebsiteLearn more→
Policyholder Services
Phone1-866-830-0607
Mailing Address
Continental General Insurance Company, P.O. Box 203098, Austin, TX 78720-3098
Life Insurance (policies issued before 1/1/2025)
Annuities
Kanawha Long-Term Care Policies
Kanawha Deferred Annuities
Disability Policies (Kanawha)
Kanawha / MetLife Accident & Health
WebsiteLearn more→
Claims Department (Long-Term Care & Life)
Phone1-866-830-0607
Mailing Address
Continental General Insurance Company, P.O. Box 203098, Austin, TX 78720-3098
Kanawha Long-Term Care Claims
WebsiteNotify online→
Verified Jul 2026
When an insured person dies, the beneficiary or executor should contact Continental General's Claims Department (Long-Term Care & Life) at 1-866-830-0607 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.
The first step is contacting Continental General at 1-866-830-0607 with the account holder's full name, account numbers, and a certified death certificate in hand.
Death claim process
Follow these steps to file a death claim with Continental General:
Filing a claim
1
Locate the Continental General policy documents and note the policy number
2
Obtain a certified copy of the death certificate from the local vital records office
3
Call Continental General at 1-866-830-0607 to report the death and request the Claimant's Statement form
4
Complete the Claimant's Statement with required information:
- Policy number
- Deceased insured's personal information
- Date and cause of death
- Beneficiary details and payment preferences
5
Gather and submit required documentation:
- Certified death certificate
- Original insurance policy or certificate if available
- Government-issued ID for the beneficiary
- Trust documents and trustee ID if a trust is the named beneficiary
6
Mail all documents to the claim-packet return address; the Long-Term Care & Life servicing address is Continental General Insurance Company, P.O. Box 203098, Austin, TX 78720-3098
7
If the claim form is not received within 15 days of notice, written proof of loss can be submitted without waiting for the form
Required Documents
- Completed Claimant's Statement (death claim form; request by calling 1-866-830-0607)
- Certified death certificate
- Original insurance policy or certificate if available
- Government-issued ID for the beneficiary
- Trust documents and trustee identification (if a trust is the named beneficiary)
What to know at this institution
Continental General processes life insurance death claims through its claims department. The beneficiary or claimant should call 1-866-830-0607 (Long-Term Care & Life) to initiate the claim and request the Claimant's Statement form. The original claim form with the beneficiary's signature is required for processing. The claim packet specifies the return address; the Long-Term Care & Life servicing address confirmed on cgic.com/contact-us is P.O. Box 203098, Austin, TX 78720-3098. Note the company's P.O. Box 2947, Covington, LA 70434-2947 is designated on the current contact page specifically for Disability and Accident/Health claims, not life-insurance death claims. For Kanawha legacy policies, policyholders can call 1-800-260-2162 for claim assistance. Long-term care insurance policies do not have a death benefit; LTC claims are filed during the policyholder's lifetime for covered care services.
Prepare your letter of instruction to Continental General
Continental General asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist Continental General requires.
Build your letter of instructionExpected timelines at Continental General: Life insurance death claims are typically processed within 30 to 60 days from receipt of all required documentation. If the company does not receive the completed claim form within 15 days after notice of death is submitted, written proof of loss can be sent without waiting for the form. Delays may occur if documentation is incomplete or the policy is within the contestability period. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by Continental General includes Completed Claimant's Statement (death claim form; request by calling 1-866-830-0607), Certified death certificate, and Original insurance policy or certificate if available, 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 a Continental General life insurance policy, removing the death benefit from the grantor's taxable estate. The trust can own the policy from inception, or an existing policy can be transferred via an assignment form, subject to a three-year lookback rule under IRC Section 2035. Once transferred, the grantor permanently relinquishes control of the policy. Call 1-866-830-0607 to request an assignment form. Continental General does not set up ILITs; consult an estate attorney to establish one. LTC insurance policies cannot be owned by or retitled to a trust.
Continental General offers an online customer portal for long-term care policyholders at https://www.mycg.com. The portal allows you to view policy details, check claim status, and manage your account. For assistance with the portal, call 1-866-830-0607 (Mon-Fri 8am-5pm CST). For Kanawha long-term care policyholders, call 1-800-260-2162 for dedicated support.
Continental General's Claims Department (Long-Term Care & Life) can be reached by phone at 1-866-830-0607 for questions throughout the claims process.
When the deceased had multiple Continental General policies, some may need separate claims while others can be handled together. The Claims Department (Long-Term Care & Life) can clarify what's needed for each account type.
Sources
Data sourced from Continental General primary sources (16 pages reviewed). How we research.
Policyholder Services
Phone1-866-830-0607
Mailing Address
Continental General Insurance Company, P.O. Box 203098, Austin, TX 78720-3098
Life Insurance (policies issued before 1/1/2025)
Annuities
Kanawha Long-Term Care Policies
Kanawha Deferred Annuities
Disability Policies (Kanawha)
Kanawha / MetLife Accident & Health
WebsiteLearn more→
Policyholder Services
Phone1-866-830-0607
Mailing Address
Continental General Insurance Company, P.O. Box 203098, Austin, TX 78720-3098
Life Insurance (policies issued before 1/1/2025)
Annuities
Kanawha Long-Term Care Policies
Kanawha Deferred Annuities
Disability Policies (Kanawha)
Kanawha / MetLife Accident & Health
WebsiteLearn more→
Claims Department (Long-Term Care & Life)
Phone1-866-830-0607
Mailing Address
Continental General Insurance Company, P.O. Box 203098, Austin, TX 78720-3098
Kanawha Long-Term Care Claims
WebsiteNotify online→
Verified Jul 2026
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