What to do when an OneMain account holder dies
Report the death to OneMain Solutions at 1-800-307-0048
When an account holder at OneMain passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with OneMain Solutions (1-800-307-0048) to access and distribute the funds.
Before contacting OneMain, have the account holder's full name, date of birth, and any available account numbers ready.
Death claim process
Here is the step-by-step death claim process at OneMain:
Filing a claim
- The next of kin (closest living relative) signs and dates the Authorization section; an electronic signature is not accepted
- Complete the Beneficiary, Next of Kin and Deceased Information sections; for Credit Life the first beneficiary is the creditor, and the Beneficiary section takes the second beneficiary
- The person completing the form signs and dates it
- Attach a copy of the insured's death certificate and, if available, an obituary
- Upload them on the OneMain Solutions forms page
- Email insclaims@omf.com with the insured's name and account or claim number in the subject line
- Fax 800-350-9582
- Mail OneMain Solutions, P.O. Box 2548, Fort Worth, TX 76113-2548
- Or take all pages of the claim information to a local OneMain Financial branch, which submits it electronically
- The claim is processed once all necessary information has been received
Required Documents
- Claim Form for Reporting a Death, for a Credit Life claim
- Copy of the insured's death certificateAn original is not required in most cases, but OneMain Solutions reserves the right to require a certified original.
- Obituary, if available
- Copies of the minor's birth certificate, Social Security card and guardianship papers, if the beneficiary is a minorOr custody papers in place of guardianship papers.
- Additional claim information, if the Certificate of Insurance or policy requires it
Forms OneMain issues1
- Claim Form for Reporting a Death
Completed by the person reporting the death, with the Authorization section signed by the next of kin. Available to download.1
What happens to each kind of account1
- Loan
On a secured loan, OneMain states it has the right to take the collateral if payments stop.2
For a loan secured by a vehicle, OneMain releases the motor vehicle lien within approximately 15 business days after payoff, with timing that may vary by state. Title questions go to the borrower's branch.3
Accounts handled elsewhere2
- American Health and Life Insurance Company
Underwrites the optional Credit Life insurance sold with OneMain loans, outside New York4
- Securian Life Insurance Company
Underwrites the optional Credit Life insurance sold with OneMain loans in New York4
What OneMain's agreement and guidance say1
- How proceeds are paid
Credit Life insurance pays its benefit first to the creditor to apply to the loan balance and pays any excess to the designated beneficiary. The insurance may not be enough to pay off the loan.4
Not in OneMain's published guidance5
- A procedure for reporting a death, for lending products
- A list of required documents, for lending products
- A claim form, for lending products
- How long a claim takes, for lending products
- Terms in its agreements for a customer's death, for lending products
OneMain Solutions generally processes a Credit Life claim within 7 to 10 business days.
OneMain Solutions can be reached by phone at 1-800-307-0048, email at insclaims@omf.com, and fax at 1-800-350-9582 for questions throughout the claims process.
Sources
Data sourced from OneMain primary sources (13 pages reviewed). How we research.
OneMain death claims support
OneMain Solutions (Credit Life claims)
Phone
Fax
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your OneMain 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.
