What to do when a Securian Financial account holder dies
Report the death to Securian Financial's Individual Claims Department at 1-800-641-4611
Filing a death claim on a Securian Financial policy begins with notifying the Individual Claims Department at 1-651-665-3529. Life insurance claims are separate from probate—proceeds transfer directly to named beneficiaries regardless of whether the estate goes through court. The timeline and documentation requirements depend on the policy type and cause of death.
Death claim process
To file a claim after an account holder's death, here is what Securian Financial requires:
Filing a claim
- Individual life policies: call the Individual Claims Department at 1-800-641-4611 or 651-665-3529, Monday-Friday 8:00am-4:30pm CT. After hours, leave a voicemail with a daytime number and area code.
- Any coverage type: start a new claim at the Benefit Service Center online, selecting where the coverage was obtained (financial institution, mortgage, individual agent or advisor, or employer).
- Credit insurance or debt protection bought through a financial institution or association: file through My Coverage at securian.com/mycoverage.
- Policy number(s), name of insured, insured's date of birth, date of death and cause of death
- Beneficiary's name, address and telephone number
- The address where the claim forms should be sent
Required Documents
- Claim forms sent by Securian, after the claim is reportedThe Minnesota Life Beneficiary Statement, F86617, is used by Benefit Services.
- Death certificateFor group claims Securian accepts a photograph of the death certificate. Fast Track claims of $500,000 or less need no death certificate.
- Beneficiary's Social Security numberAn estate or trust gives its Tax Identification number.
- Voided check or deposit slip, if direct deposit is selected
- Documentation of authority, if someone completes the form on the beneficiary's behalfFor example, power of attorney documents or court-issued guardianship.
- Any additional information Securian lists when it initiates the claim
Forms Securian Financial issues1
What happens to each kind of account1
- Life insurance policy
On employer group life and AD&D claims, Fast Track removes paper mail and the death certificate for qualifying claims of $500,000 or less.3
Qualifying group claims are eligible for a cash advance of up to $25,000 before the death certificate or completed claim form is received. The advance is deducted from the final basic life amount.3
Accounts handled elsewhere1
- Legacy Account claims team
Legacy Accounts; the login is at eaccountservices.com/Securian4
Phone: 1-888-658-0193
Help Securian Financial offers survivors1
- Empathy bereavement support
Beneficiaries on employer group life and AD&D claims are offered Empathy bereavement support.3
What Securian Financial's agreement and guidance say1
- How proceeds are paid
On employer group life and AD&D claims, express assignment pays a funeral home or lending agency directly for final expenses. Rush payment by direct deposit or overnight check is available.3
For a life insurance claim of $10,000 or more, the beneficiary may choose to have the proceeds placed in an interest-earning Legacy Account. The rate was 2.00% as of December 31, 2025, with a guaranteed minimum of 0.05% annually.4
A Legacy Account allows drafts, transfers and withdrawals at any time. It has no monthly service or maintenance fees; special-service fees apply, for example $15 for an overdrawn account and $12 for a stop payment.4
For employer group life and AD&D claims, Securian reports 2 days on average to claim determination, as of December 2025.
Securian Financial's Individual Claims Department can be reached by phone at 1-800-641-4611 for questions throughout the claims process.
Sources
Data sourced from Securian Financial primary sources (31 pages reviewed). How we research.
Securian Financial death claims support
Individual Claims Department
Phone
Toll-free
Hours
Website
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