What to do when a Genworth account holder dies
Contact Genworth's Life & Annuity Claims — 8-step process, 8 required documents, and genworth processes life insurance and annuity death claims after receiving complete documentation. timelines vary based on claim complexity. contact 888-325-5433 for status updates.
Customer Service
P.O. Box 10719, Lynchburg, VA 24506
Life & Annuity Claims
P.O. Box 10719, Lynchburg, VA 24506
Death Claims
Genworth Life and Annuity Claims Department, P.O. Box 10719, Lynchburg, VA 24506
When an insured person dies, the beneficiary or executor should contact Genworth's Death Claims at 1-888-325-5433 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.
Death claims at Genworth can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
Follow these steps to file a death claim with Genworth:
Filing a claim
- Full name and date of birth
- Social Security number
- Policy/contract number
- Date and cause of death
- Place of death
- Your relationship to the deceased
- Life insurance: complete the Life Insurance Claim Form
- Annuities: each beneficiary must complete a separate Annuity Claim Form
- Long-term care policies: mail or fax a copy of the death certificate to close the claim; mail to Genworth Long Term Care Claims, P.O. Box 40007, Lynchburg, VA 24506; fax to 888-557-5526; or email to ltcdocuments@ltc-claims.com
- If a trust is the beneficiary: trust documents and trustee identification
- If a beneficiary name has changed due to marriage or divorce: copy of the marriage certificate or divorce decree
Required Documents
- Completed Life Insurance Claim Form or Annuity Claim Form (product-specific)
- Original certified death certificate with a final cause of death (with raised seal or multicolored signature seal; a pending cause of death is not accepted)
- Government-issued ID for the beneficiary
- Policy or contract number
- Marriage certificate or divorce decree (if beneficiary name has changed)
- Trust documents and trustee ID (if trust is the beneficiary)
- Power of Attorney papers (if signing as Attorney-in-fact for the beneficiary)
- Death of an American Citizen Abroad document is NOT accepted as a substitute for a certified death certificate
Claims Contact
What to know at this institution
Overnight shipping address: 3100 Albert Lankford Drive, Lynchburg, VA 24501. For long-term care claims at time of death, mail or fax a copy of the death certificate to: Genworth Long Term Care Claims, P.O. Box 40007, Lynchburg, VA 24506, Fax: 888-557-5526. LTC claims phone: 800-876-4582. LTC documents can also be emailed to ltcdocuments@ltc-claims.com. At the time of death, beneficiaries are not entitled to any LTC policy remaining maximum balance other than eligible care expenses not yet reviewed. For LTC policies with a Return of Premium Rider, the death benefit is processed separately from any outstanding care claims. An original certified death certificate with a final cause of death is required; a certified death certificate with a pending death cause is not accepted. Faxed copies of the death certificate may not be accepted for all claim types.
Prepare your letter of instruction to Genworth
Genworth 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 instructionExpected timelines at Genworth: Genworth processes life insurance and annuity death claims after receiving complete documentation. Timelines vary based on claim complexity. Contact 888-325-5433 for status updates. 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 Genworth includes Completed Life Insurance Claim Form or Annuity Claim Form (product-specific), Original certified death certificate with a final cause of death (with raised seal or multicolored signature seal; a pending cause of death is not accepted), and Government-issued 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. For estate tax planning, an Irrevocable Life Insurance Trust (ILIT) can own a Genworth life insurance policy. The trustee of the ILIT becomes both the policy owner and beneficiary, removing the death benefit from the grantor taxable estate. Contact Genworth at 888-325-5433 to request the Change of Ownership form. Policies transferred to an existing ILIT are subject to a three-year lookback rule under IRC Section 2035. Genworth does not establish ILITs; work with an estate attorney to create one.
Call Genworth Life & Annuity Claims at 888-325-5433 (Monday-Thursday 8:30am-6pm ET, Friday 9am-6pm ET). Have the decedent full name, date of birth, Social Security number, policy number, date and cause of death, and place of death ready. Genworth will mail a claim form. Complete the form and return it with an original certified death certificate to: Genworth Life and Annuity Claims Department, P.O. Box 10719, Lynchburg, VA 24506. Overnight shipping: 3100 Albert Lankford Drive, Lynchburg, VA 24501. Forms can also be faxed to 888-325-3299, but original certified death certificates may be required by mail.
Call Genworth Life & Annuity Claims at 888-325-5433 to report the death and request an Annuity Claim Form. Each beneficiary must complete a separate annuity claim form. Submit the completed form with an original certified death certificate to: P.O. Box 10719, Lynchburg, VA 24506. You may also fax the completed form to 888-325-3299, but original death certificates may not be accepted by fax. If a beneficiary name has changed, include a copy of the marriage certificate, divorce decree, or court document.
Genworth has suspended new sales of life insurance and long-term care insurance through its legacy companies. Existing policyholders continue to be fully serviced, including claims processing, beneficiary changes, and policy administration. CareScout Insurance Company, a wholly-owned Genworth subsidiary, launched Care Assurance -- its inaugural standalone LTC insurance product -- in October 2025 and is available in 40 states as of February 2026, with additional states pending approval. Existing legacy life insurance and LTC policies remain in force and continue to pay claims; only new business has been suspended. Contact Genworth at 888-GENWORTH (888-436-9678) for questions about existing policies.
When a Genworth long-term care policyholder dies, mail or fax a copy of the death certificate to: Genworth Long Term Care Claims, P.O. Box 40007, Lynchburg, VA 24506; fax: 888-557-5526; or email to ltcdocuments@ltc-claims.com. Beneficiaries are not entitled to any remaining LTC policy maximum balance other than eligible care expenses not yet reviewed. For LTC policies with a Return of Premium Rider, the death benefit (a percentage of premiums paid minus claims paid) is processed separately from any outstanding care claims. LTC claims phone: 800-876-4582.
Genworth has product-specific customer service lines, all available Monday-Thursday 8:30am-6pm ET and Friday 9am-6pm ET. Life Insurance: 888-325-5433. Fixed Annuities: 800-221-9501. Variable Annuities: 800-352-9910. Immediate Annuities: 888-322-4629. Total Living Coverage: 866-446-9852. Long-Term Care: 800-456-7766 or 888-GENWORTH (888-436-9678). LTC Claims: 800-876-4582. Consumer Web Support (login/registration issues): 800-404-2956. For general inquiries, call 888-GENWORTH (888-436-9678).
Genworth's Death Claims can be reached by phone at 1-888-325-5433, email at LifeCustomerService@genworth.com, and fax at 1-888-325-3299 for questions throughout the claims process.
When the deceased had multiple Genworth policies, some may need separate claims while others can be handled together. The Death Claims can clarify what's needed for each account type.
Sources
Data sourced from Genworth primary sources (18 pages reviewed). How we research.
Customer Service
P.O. Box 10719, Lynchburg, VA 24506
Life & Annuity Claims
P.O. Box 10719, Lynchburg, VA 24506
Death Claims
Genworth Life and Annuity Claims Department, P.O. Box 10719, Lynchburg, VA 24506
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