What to do when a Republic Finance account holder dies
Report the death to Republic Finance's Contact Center at 1-833-907-1734
Republic Finance balances do not pass to anyone at death — they are settled. The executor reports the death to the Contact Center (1-833-907-1734), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Before contacting Republic Finance, 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 Republic Finance:
Filing a claim
- The account number combines the Branch ID and the Republic Finance account number: Branch ID-first set of numbers-second set of numbers
- The upload page says to call (866) 356-1320 if there is no branch nearby
What happens to each kind of account1
- Loan
If decreasing credit life insurance was bought with the loan, it pays the remaining scheduled payments on the loan as of the date of death.1
If level credit life insurance was bought with the loan, it pays the account in full. The difference between the total of payments and the payoff amount as of the date of death is paid to the beneficiary.1
Credit life insurance pays the covered balance of the loan if the insured dies during the term of coverage. Voluntary product options and terms vary by the state of the branch where the loan was booked.2
What Republic Finance's agreement and guidance say1
- Fees
Republic Finance charges no prepayment penalty, and early payoff may bring a refund of unearned interest or insurance premiums.2
Not in Republic Finance's published guidance3
- A procedure for reporting a death
- A list of required documents
- How long a claim takes
Sources2
Republic Finance's Contact Center can be reached by phone at 1-833-907-1734 for questions throughout the claims process.
Sources
Data sourced from Republic Finance primary sources (11 pages reviewed). How we research.
Republic Finance death claims support
Contact Center
Phone
Website
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