What to do when a Farmers Insurance account holder dies
Report the death to Farmers Insurance's FNWL Claims Department at 1-800-238-9671
When an insured person dies, the beneficiary or executor should contact Farmers Insurance's FNWL Claims Department at 1-800-238-9671 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 a claim, contact Farmers Insurance by phone at 1-800-238-9671 or email documentation to life.claims@farmersinsurance.com. You will need the account holder's full name, account numbers, and the death certificate.
Death claim process
To file a claim after an account holder's death, here is what Farmers Insurance requires:
Filing a claim
- The insured's full name, date of birth and Social Security number
- The state of residence
- The policy number(s)
- The type of claim (death, disability, accelerated benefit, and so on)
- Your name, and if the claimant is someone other than you, the claimant's name and your relationship to the claimant
- Daytime and evening phone numbers
- Any additional information or comments
Forms Farmers Insurance issues1
- Life Claims Form
Completed by the person reporting the claim, logged in to a Farmers account. Completed online.1
What happens to each kind of account1
- Life insurance policy
Farmers says beneficiaries of a whole life policy receive the coverage amount "minus the policy's loan balance, if any," and that "policy loans that are not repaid and partial surrenders will reduce cash surrender value and death benefit."2
Accounts handled elsewhere1
- Security Life of Denver Insurance Company (Resolution Life)
The in-force FNWL individual life policies ceded to it in 2023, which Resolution Life administers3
Not in Farmers Insurance's published guidance6
- A list of required documents
- Whether the death certificate must be certified
- How long a claim takes
- A mailing address for claim documents
- A fax number for claim documents
- A claim form to download
Farmers Insurance's FNWL Claims Department can be reached by phone at 1-800-238-9671 and email at life.claims@farmersinsurance.com for questions throughout the claims process.
Sources
Data sourced from Farmers Insurance primary sources (16 pages reviewed). How we research.
Farmers Insurance death claims support
FNWL Claims Department
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