What to do when a Primerica account holder dies
Contact Primerica — 7-step process, 7 required documents, and approximately 14 days to process a death claim once all required documents are received. life insurance policies over 2 years old are incontestable and process upon receipt of complete paperwork. policies under 2 years (contestable period) may require additional investigation including beneficiary interview, medical authorization, tobacco use affidavit, or medical and driving records.
Phone1-800-257-4725
Emailplic@primerica.com
Mailing Address
Primerica, 1 Primerica Parkway, Duluth, GA 30099-0001
Mutual Funds (Shareholder Services)
Managed Investments (Lifetime Investment Program)
Loans (S.M.A.R.T. Loan & H.O.M.E. Loan)
Debt Solutions (DebtWatchers)
WebsiteLearn more→
Phone1-800-257-4725
Emailplic@primerica.com
Mailing Address
Primerica, 1 Primerica Parkway, Duluth, GA 30099-0001
Mutual Funds (Shareholder Services)
Managed Investments (Lifetime Investment Program)
Loans (S.M.A.R.T. Loan & H.O.M.E. Loan)
Debt Solutions (DebtWatchers)
WebsiteLearn more→
Life Insurance Claims
Phone1-888-893-9858
Fax1-470-564-7662
Mailing Address
Primerica Life Insurance Company, Attn: Claims Department, 1 Primerica Parkway, Duluth, GA 30099-0001
Verified May 2026
What happens to Primerica investment accounts after the account holder dies depends on how each account was titled. Beneficiary-designated and trust-owned accounts transfer directly. Accounts in the deceased's name alone go through the estate, and the executor or administrator works with Primerica's Life Insurance Claims (1-888-893-9858) to claim the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Primerica. A certified death certificate is the primary document required to start any claim.
Death claim process
To file a claim after an account holder's death, here is what Primerica requires:
Filing a claim
1
Contact the appropriate department:
- For investment accounts: contact the decedent's Primerica representative or call Primerica Shareholder Services at (800) 544-5445 (Monday-Friday, days NYSE is open)
- For life insurance claims: call the Primerica Claims Department at (888) 893-9858 (Monday-Friday, 8:00 AM-5:00 PM ET); a claims specialist will assign a claim number and guide you through the process
2
Obtain and complete the required forms:
- Download the Life Insurance Claim Form (PDF) from primerica.com; each beneficiary must submit their own claim form and ID, though only one death certificate is needed
- For mutual fund/retirement accounts: complete the Retirement Plans Death Distribution Form (POL-RPDE) available via Primerica Shareholder Services eForms at shareholder.primerica.com
3
Obtain certified death certificates (original certified copies with raised seal or colored emblem required; documents become part of claim file and cannot be returned)
4
For estate/trust claimants:
- Executor or trustee completes the claim form with Letters Testamentary, Letters of Administration, or Trust Documents attached
- Provide the tax identification number of the estate or trust
5
For TOD accounts: TOD beneficiary completes transfer request with death certificate and ID
6
Submit claim documents:
- Life insurance claims by mail to: Primerica Life Insurance Company, Attn: Claims Department, 1 Primerica Parkway, Duluth, GA 30099-0001; or fax to (470) 564-7662; or email to us_lifeclaims@primerica.com (include 10-digit policy number on all correspondence)
- New York policies (issued by National Benefit Life Insurance Company): mail to National Benefit Life Insurance Company, Attn: Claims Department, Administrative Office: 1 Primerica Parkway, Duluth, GA 30099-0001
- Investment account claims by mail to: Primerica Shareholder Services, P.O. Box 534485, Pittsburgh, PA 15253-4485
7
Inheritance tax waiver may be required depending on the state
Required Documents
- Certified death certificate (must display colored emblem or raised seal of issuing authority and list cause and manner of death)
- Government-issued photo ID for each claimant (driver's license, state ID, military ID, birth certificate, or passport)
- Completed Life Insurance Claim Form (each beneficiary submits their own) or Retirement Plans Death Distribution Form POL-RPDE (investment accounts)
- Letters Testamentary or Letters of Administration (for estate claimants)
- Trust documents (for trust claimants)
- Tax identification number of the estate or trust (if applicable)
- Inheritance tax waiver (required by certain states)
Primerica processes life insurance and investment death claims through separate departments. Life insurance claims go to the Claims Department in Duluth, GA. Mutual fund and investment account claims go through Primerica Shareholder Services in Pittsburgh, PA (administered by BNY). All documents submitted become part of the claim file and cannot be returned. Certified death certificates must be originals with raised seal. Benefit payment options include lump sum check, Estate Account with draft checks, or other settlement options depending on the policy. Funeral home advance assignment is available by fax to (470) 564-7662.
Expected timelines at Primerica: Approximately 14 days to process a death claim once all required documents are received. Life insurance policies over 2 years old are incontestable and process upon receipt of complete paperwork. Policies under 2 years (contestable period) may require additional investigation including beneficiary interview, medical authorization, tobacco use affidavit, or medical and driving records. 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 Primerica includes Certified death certificate (must display colored emblem or raised seal of issuing authority and list cause and manner of death), Government-issued photo ID for each claimant (driver's license, state ID, military ID, birth certificate, or passport), and Completed Life Insurance Claim Form (each beneficiary submits their own) or Retirement Plans Death Distribution Form POL-RPDE (investment accounts), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Call the Primerica Claims Department at (888) 893-9858 (Monday-Friday, 8:00 AM-5:00 PM ET). A claims specialist will assign a claim number and guide you through the process. Download the Life Insurance Claim Form from primerica.com. Each beneficiary must submit their own claim form and ID, though only one death certificate is needed. Mail documents to Primerica Life Insurance Company, Attn: Claims Department, 1 Primerica Parkway, Duluth, GA 30099-0001, or fax to (470) 564-7662, or email to us_lifeclaims@primerica.com. Life insurance claims for policies over 2 years old are incontestable and typically process within 14 days. Policies under 2 years may require additional investigation.
Yes. Primerica term life insurance policies (PrecisionTerm, PowerTerm, CustomAdvantage, and TermNow) can be assigned to an Irrevocable Life Insurance Trust (ILIT) by transferring ownership to the trust. Assigning the policy to an ILIT removes the death benefit from the insured's taxable estate, which can be important for estates that may be subject to federal or state estate taxes. The ILIT becomes the policy owner and premium payer, and the trustee manages the policy on behalf of the trust beneficiaries. Contact your Primerica representative to initiate an ownership transfer. Note that the IRS three-year lookback rule (IRC Section 2035) applies: if the insured dies within three years of transferring an existing policy to the ILIT, the death benefit may still be included in the taxable estate.
Primerica's Life Insurance Claims can be reached by phone at 1-888-893-9858, email at us_lifeclaims@primerica.com, and fax at 1-470-564-7662 for questions throughout the claims process.
When the deceased had multiple Primerica investment accounts, some may need separate claims while others can be handled together. The Life Insurance Claims can clarify what's needed for each account type.
Phone1-800-257-4725
Emailplic@primerica.com
Mailing Address
Primerica, 1 Primerica Parkway, Duluth, GA 30099-0001
Mutual Funds (Shareholder Services)
Managed Investments (Lifetime Investment Program)
Loans (S.M.A.R.T. Loan & H.O.M.E. Loan)
Debt Solutions (DebtWatchers)
WebsiteLearn more→
Phone1-800-257-4725
Emailplic@primerica.com
Mailing Address
Primerica, 1 Primerica Parkway, Duluth, GA 30099-0001
Mutual Funds (Shareholder Services)
Managed Investments (Lifetime Investment Program)
Loans (S.M.A.R.T. Loan & H.O.M.E. Loan)
Debt Solutions (DebtWatchers)
WebsiteLearn more→
Life Insurance Claims
Phone1-888-893-9858
Fax1-470-564-7662
Mailing Address
Primerica Life Insurance Company, Attn: Claims Department, 1 Primerica Parkway, Duluth, GA 30099-0001
Verified May 2026
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