What to do when a Mariner Finance account holder dies
Report the death to Mariner Finance's Customer Service at 1-877-310-2373
After an account holder at Mariner Finance dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Mariner Finance's Customer Service at 1-877-310-2373 with the proper legal authority documents.
Claims can be filed by phone (1-877-310-2373) or by emailing documentation to contactus@marinerfinance.com. Before reaching out, gather the account holder's full name, account numbers, and the death certificate.
Death claim process
Here is the step-by-step death claim process at Mariner Finance:
Filing a claim
- Credit life insurance
- Accidental Death & Dismemberment (AD&D), whose claim must be submitted within 90 days of the loss
- Guaranteed Asset Protection (GAP), on a vehicle-secured loan where the vehicle was a total loss or was stolen
What happens to each kind of account3
- Loan
There is no prepayment penalty and, in Mariner's words, "you only pay interest for the amount of time the loan is open." Mariner sends no monthly statement.1
Mariner reports the loan to Equifax, TransUnion and Experian.1
On a secured loan the pledged collateral backs the balance. The estate can pay the loan off to clear Mariner's lien and keep or sell the asset, or surrender the collateral, which Mariner may sell and apply to the debt.2
On a secured loan, missed payments can lead to repossession of the collateral.2
A vehicle-secured loan requires comprehensive and collision coverage on the car for the full term. If the coverage lapses while the estate holds the car, Mariner can place coverage that protects only its own interest.3
- Debt protection, GAP or service contract
If credit life insurance was bought with the loan, a covered claim has the carrier pay the outstanding balance directly to Mariner, which Mariner states "can eliminate an estate obligation." It also relieves a co-borrower of the covered amount.4
On a vehicle-secured loan where the vehicle was a total loss or was stolen, Guaranteed Asset Protection (GAP) can waive the balance the auto insurer's settlement did not cover, up to a state maximum.4
Accounts handled elsewhere1
- WebBank
Originates Mariner's online loans, which Mariner services; in California and Maryland, Mariner or an affiliate does3
What Mariner Finance provides to the estate1
- Payoff statement
The servicing branch or Customer Service gives the exact payoff amount.3
What Mariner Finance's agreement and guidance say2
- How proceeds are paid
Credit life and GAP claims are paid by the carrier or administrator to Mariner and follow that company's claim process.4
- Online access
Closing the deceased person's Customer Account Center login does not close the debt. Mariner's account-deletion disclosure states that "Application or loan information will be retained for compliance purposes."6
Mariner's Customer Account Center terms state that regardless of any termination of site access "you shall remain liable pursuant to the terms of any loan received."7
Not in Mariner Finance's published guidance4
- A procedure for reporting a death
- A claim form
- A list of required documents
- How long a claim takes
Mariner Finance's Customer Service can be reached by phone at 1-877-310-2373 and email at contactus@marinerfinance.com for questions throughout the claims process.
Sources
Data sourced from Mariner Finance primary sources (15 pages reviewed). How we research.
Mariner Finance death claims support
Customer Service (deceased borrower)
Phone
Hours
Mailing address
Website
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