What to do when a Resolution Life account holder dies
Contact Resolution Life — 5-step process, 7 required documents, and claim packets are generally issued within 5-10 business days of the passing being reported, and payment generally follows within 5-10 business days of a complete packet being received and approved -- roughly 3-6 weeks end to end. a death within the policy's two-year contestability period adds an underwriting review and takes longer.
Brand change
Nippon Life Insurance Company completed its acquisition of 100% of Resolution Life's shares on 31 October 2025. Resolution Life continues to operate under its own name and remains the servicer and payer on every US block listed here -- policyholder contacts, claims portals, and phone numbers are unchanged. Nothing about a claim changes because of the Nippon Life deal. Effective October 2025.
The procedures below reflect Resolution Life's accounts. Account servicing may transfer as the change takes effect.
US Policyholder Service (Voya/ING legacy block)
Resolution Life, 1475 Dunwoody Drive, West Chester, PA 19380
US Policyholder Service (Voya/ING legacy block)
Resolution Life, 1475 Dunwoody Drive, West Chester, PA 19380
Claims (Voya/ING legacy block)
Resolution Life, 1475 Dunwoody Drive, West Chester, PA 19380
A death claim on a Resolution Life policy is filed through the Claims (Voya/ING legacy block) (877-886-5050). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
Claims can be filed by phone (877-886-5050) or by emailing documentation to liferequest@resolutionlife.us. Before reaching out, gather the account holder's full name, account numbers, and a certified death certificate.
Death claim process
The death claim process at Resolution Life works as follows:
Filing a claim
- The policy in the decedent's files will carry the ORIGINAL carrier's name, not Resolution Life. Look for ReliaStar, ReliaStar of New York, Security Life of Denver, Security-Connecticut, Northwestern National Life, North Atlantic Life, Bankers Security Life, Midwestern United Life, Southland Life, Equitable Life Insurance Company of Iowa, Venerable, Voya, ING, or Farmers New World Life
- Type that carrier name into the lookup tool at https://www.resolutionlife.com/policyholders/ -- it returns the servicing track, the phone number, and the claims portal for that specific block
- Do not assume a defunct-sounding carrier means a worthless policy. Every one of these blocks is live and Resolution Life pays the claims
- Voya/ING legacy block: claims portal at https://claims.resolutionlife.us/ ("Notify us of a Passing"), or call Claims at 877-886-5050, Monday-Friday 9 a.m. to 5 p.m. ET (note this is a NARROWER window than the 9 a.m. to 7 p.m. policyholder service line on the same number)
- Farmers New World Life block: a SEPARATE claims portal at https://farmersclaims.resolutionlife.us/, or call Claims at 800-238-9671, Monday-Friday 9 a.m. to 9 p.m. ET
- Have ready: the deceased's full name, the policy or contract number, date of birth, date of death, and cause of death
- Enclose a certified copy of the death certificate (order extra certified copies -- each carrier block wants its own)
- Complete every form in the packet; the forms are keyed to the original issuing carrier, so they will not match a form downloaded from anywhere else
- Include government-issued photo ID for each claiming beneficiary
- If a trust is the beneficiary, include the trust document or certification of trust and the trustee's ID
- If the estate is the beneficiary or there is no surviving beneficiary, include Letters Testamentary or Letters of Administration
- If the original policy document cannot be found, say so on the claim form -- a lost policy does not defeat the claim
Required Documents
- Certified copy of the death certificate
- The completed claim packet Resolution Life issues after the passing is reported (it is not published for download)
- Government-issued photo ID for each claiming beneficiary
- The original policy or contract document, if it can be found (not required -- report it lost on the claim form)
- The name of the ORIGINAL issuing carrier as printed on the policy, which determines the servicing track
- Trust document or certification of trust plus trustee ID, if a trust is the beneficiary
- Letters Testamentary or Letters of Administration, if the estate is the beneficiary or no beneficiary survives
Claims Contact
What to know at this institution
The single most important fact about a Resolution Life claim is that the executor is usually not looking for "Resolution Life" at all. Resolution Life bought Voya Financial's in-force individual life business on 4 January 2021 -- including Security Life of Denver Insurance Company and Midwestern United Life Insurance Company -- and on 1 August 2023 Farmers New World Life ceded its in-force individual life business to Security Life of Denver, with Resolution Life taking over administration. So a policy that says ReliaStar, Northwestern National Life, Southland, Equitable Life of Iowa, Voya, ING, Venerable, or Farmers New World Life on its face is a Resolution Life claim today. Note that FNWL policies were REINSURED rather than sold: Farmers New World Life remains the issuing company of record while Resolution Life administers and pays -- that is why the FNWL track keeps its own phone number (800-238-9671), its own claims portal (https://farmersclaims.resolutionlife.us/), and a farmersinsurance.com submission email. The two claims portals are not interchangeable. Resolution Life publishes no downloadable claim form, no claims fax, and no named form number on its public site; the packet is issued after you report the passing. It has no branches and no agents -- never expect an in-person option.
Prepare your letter of instruction to Resolution Life
Resolution Life asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist Resolution Life requires.
Build your letter of instructionHow long the process takes at Resolution Life: Claim packets are generally issued within 5-10 business days of the passing being reported, and payment generally follows within 5-10 business days of a complete packet being received and approved -- roughly 3-6 weeks end to end. A death within the policy's two-year contestability period adds an underwriting review and takes longer. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Resolution Life requires several documents to process a claim, including Certified copy of the death certificate, The completed claim packet Resolution Life issues after the passing is reported (it is not published for download), and Government-issued photo ID for each claiming beneficiary, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Because Resolution Life bought the block. Resolution Life is a run-off consolidator: it acquires closed books of life insurance and annuities from other carriers and services them for the rest of their lives. It completed the purchase of Voya Financial's in-force individual life business on 4 January 2021, including Security Life of Denver Insurance Company and Midwestern United Life Insurance Company. Policies branded ReliaStar Life, ReliaStar Life of New York, Security-Connecticut Life, Northwestern National Life, North Atlantic Life, Bankers Security Life, Midwestern United Life, Security Life of Denver, Southland Life, Equitable Life Insurance Company of Iowa, Venerable, Voya, and ING are all now serviced by Resolution Life. The policy itself is unchanged -- same face amount, same terms, same beneficiary designation. Run the carrier name from the policy through the lookup tool at https://www.resolutionlife.com/policyholders/ to get the exact phone number and claims portal for that block.
No, and this is the mistake that costs executors a week. Farmers New World Life is a separate servicing track with its own everything. On 1 August 2023 FNWL ceded its in-force individual life business to Resolution Life's Security Life of Denver Insurance Company, and Resolution Life took over administration -- but the policies were reinsured rather than sold, so FNWL remains the issuing company of record. Practically, that means: claims phone 800-238-9671 (Monday-Friday 9 a.m. to 9 p.m. ET), a separate claims portal at https://farmersclaims.resolutionlife.us/, and form submissions to fnwlrequest@lifeservice.farmersinsurance.com. The 877-886-5050 line and the claims.resolutionlife.us portal serve the Voya/ING block and cannot open an FNWL claim.
No. Resolution Life publishes no downloadable claim form, no beneficiary-change PDF, and no named form number on its public site, and it publishes no claims fax. The process is deliberately intake-first: you report the passing through the claims portal for your block or by phone, Resolution Life identifies the beneficiaries of record, and it then mails a claim packet with the forms that match the ORIGINAL issuing carrier's contract. There is no universal Resolution Life form, because there is no universal Resolution Life policy -- every block carries the paperwork of the carrier that wrote it. Do not download a form from the original carrier's current website (Voya's, for example) and assume Resolution Life will accept it.
No. Nippon Life Insurance Company completed its acquisition of 100% of Resolution Life's shares on 31 October 2025, and Resolution Life is now a wholly-owned subsidiary of Nippon Life. It continues to operate under the Resolution Life name with the same leadership. Every contact route on this page is unchanged: the same claims portals, the same phone numbers, the same West Chester servicing address. Your policy terms, face amount, and beneficiary designation are unaffected. A change of corporate parent above the insurer never alters the contract underneath -- and it does not restart any deadline, contestability period, or beneficiary designation.
Resolution Life's Claims (Voya/ING legacy block) can be reached by phone at 877-886-5050 and email at liferequest@resolutionlife.us for questions throughout the claims process.
Multiple Resolution Life policies may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Claims (Voya/ING legacy block) to confirm what applies.
Sources
- resolutionlife.com
- agent.resolutionlife.us
- claims.resolutionlife.us
- customer.resolutionlife.us
- farmersclaims.resolutionlife.us
Data sourced from Resolution Life primary sources (13 pages reviewed). How we research.
US Policyholder Service (Voya/ING legacy block)
Resolution Life, 1475 Dunwoody Drive, West Chester, PA 19380
US Policyholder Service (Voya/ING legacy block)
Resolution Life, 1475 Dunwoody Drive, West Chester, PA 19380
Claims (Voya/ING legacy block)
Resolution Life, 1475 Dunwoody Drive, West Chester, PA 19380
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