What to do when an OneAmerica Financial account holder dies
Report the death to OneAmerica Financial's Life Insurance and Annuities Claims at 1-800-833-5569
A death claim on a OneAmerica Financial policy is filed through the Life Insurance and Annuities Claims (1-800-833-5569). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
Death claim process
To file a claim after an account holder's death, here is what OneAmerica Financial requires:
Filing a claim
- Individual life or annuity policy purchased from a financial professional: Life Insurance and Annuities Claims, 800-833-5569, 8 a.m. to 5 p.m. ET, Monday-Friday.
- Life insurance through an employer: the employer files the claim with Employee Benefits Life Claims, 800-553-3522.
- Workplace retirement plan: OneAmerica's contact page lists 888-285-7876. Voya Financial completed its acquisition of the full-service retirement plan business on January 2, 2025.
- Online: the Guided Claim Form Process linked from the claims page.
- Mail: OneAmerica Financial Partners, P.O. Box 6008, Indianapolis, IN 46206-6008.
- Fax: 317-285-1344.
- Email: claims.ind@oneamerica.com.
- OneAmerica states that email to oneamerica.com addresses is not secure, and directs secure information to its secure email service at secure-oneamerica.com (registration required).
Required Documents
- Certified death certificate for the insuredA certificate listing the cause of death as "pending" can be filed; OneAmerica follows up for the final certificate. A claim cannot be processed with an incorrect certified death certificate.
- Completed claim form from each beneficiary, for an individual life or deferred annuity claimThe Life Insurance Claims Packet or the Deferred Annuity Claims Packet, or the online Guided Claim Form Process.
- Original policy or contract, for an individual life insurance claim, if available
- W-4R federal tax form, for an individual deferred annuity claim
- Copy of the certified letter of testamentary and the estate's TIN/EIN, if the estate is the beneficiary of an individual claim (no beneficiary named or none living)Some states allow payment by small estate affidavit, depending on the benefit amount and the size of the estate.
- Copy of the complete original or restated trust document and the trust EIN, if a trust is the beneficiary of an individual claimWith the names of the trustee and successor trustee, signatures and amendments.
- Copy of the probated will and Letters Testamentary, if a testamentary trust is the beneficiaryFor an individual claim, the Letters Testamentary appoint the trustee or executor.
- Copy of the primary beneficiary's certified death certificate, if the primary beneficiary died before the insured
- Funeral home or cemetery assignment, if the beneficiary assigns proceeds to a funeral home or cemeteryAccepted with the insured's name, policy or contract number, assigned amount, beneficiary's signature, and a notary seal, signature and date.
- Group Life Insurance Claim Packet, for an employer group life claimCompleted by the employer, with the insured employee's enrollment information, the most current Guaranteed Increase in Benefit enrollment form (if applicable), and all beneficiary designations.
- Certified letters of testamentary, estate EIN (Form W-9) and proof of an estate account, if the estate is the beneficiary of an employer group life claimProof that an estate financial institution account has been opened. A small estate affidavit may be submitted where state regulations allow.
- Complete trust document, trust EIN (Form W-9) and proof of a trust account, if a trust is the beneficiary of an employer group life claimA copy of the complete trust document, and proof that a trust financial institution account has been opened.
- Minor beneficiary documents, for a minor beneficiary of an employer group life claimA copy of the certified letters of guardianship for the minor's estate, the minor's Social Security Number and the Minor Beneficiary Questionnaire Packet, or UTMA account documents where a custodian was named.
- Newspaper accounts, autopsy and medical examiner reports, police and toxicology reports, for an accidental or unnatural death on an employer group life claim
Forms OneAmerica Financial issues2
- Life Insurance Claims Packet
Completed by each beneficiary. Available to download.1
- Guided Claim Form Process
Completed by each beneficiary. Completed online.1
What happens to each kind of account1
Accounts handled elsewhere2
- Voya Financial
The OneAmerica Financial full-service workplace retirement plan business, acquired January 2, 20254, 5
- OneAmerica Long-Term Care Claims
Asset Care or Annuity Care long-term care benefit claims; its page does not describe a death claim6, 1
Phone: 1-800-352-6608
Fax: 1-317-285-5239
What OneAmerica Financial's agreement and guidance say4
- How proceeds are paid
Benefit Plus Accounts are offered on an individual claim if the benefit amount is $50,000 or greater and the beneficiary does not live in AK, CA, CT, FL, IL, KS, KY, LA, MD, MN, NC, ND, NH, NJ, NY or RI.1
If a settled claim results in proceeds of $50,000 or more and the beneficiary does not opt out on the claim form, the funds are distributed through a Benefit Plus Account, a booklet of drafts with immediate access to all funds.7
Benefit Plus Account assets are held in the insurance company's general account. The minimum interest rate credited is 0 percent.1, 7
- Fees
Benefit Plus Account fees: $10 for a draft presented with insufficient funds, $12 for each stop payment, $2 for a copy of a draft or statement.1, 7
- Dormant and unclaimed accounts
After nine months with no contact or transaction on a Benefit Plus Account, an inactivity notice is sent, and a second notice follows three months later. If there is still no contact, the account is closed and the treasury department of the accountholder's last known state of residence is notified.1, 7
- Payment to a minor or incapacitated beneficiary
For a minor beneficiary of an individual claim, depending on state law and the amount, OneAmerica pays through a supplemental contract paid at the age of majority, a custodian under the state's Uniform Transfers to Minors Act, or a guardian of the minor's estate.1
A supplemental contract needs the minor's birth certificate and Social Security number; payment to a guardian needs court-stamped Letters of Guardianship for the minor's estate.1
Processing typically occurs within 5 business days after all required documents are received.
OneAmerica Financial's Life Insurance and Annuities Claims can be reached by phone at 1-800-833-5569, email at claims.ind@oneamerica.com, and fax at 1-317-285-1344 for questions throughout the claims process.
Sources
Data sourced from OneAmerica Financial primary sources (22 pages reviewed). How we research.
OneAmerica Financial death claims support
Life Insurance and Annuities Claims (Individual Claims Department)
Phone
Toll-free
Long-Term Care Claims (long-term care benefit claims)
Employee Benefits Life Claims
Employee Benefits Disability Claims
Fax
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your OneAmerica Financial accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines, and inheritance taxes.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax, and inheritance tax for an estate.
