What to do when a Securian Financial account holder dies
Contact Securian Financial — 7-step process, 7 required documents, and average of 2 days to claim determination for standard claims. qualifying claims may receive a partial advance benefit (up to $25,000) before all documentation is received. fast track process available for qualifying claims of $250,000 or less. direct deposit is the fastest payment method.
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
Life and AD&D Claims
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
Filing a death claim on a Securian Financial policy begins with notifying the Life and AD&D Claims at 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 claims at Securian Financial can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
To file a claim after an account holder's death, here is what Securian Financial requires:
Filing a claim
- Locate the Securian Financial policy documents and note the policy number
- Obtain certified copies of the death certificate from the local vital records office
- Call the Individual Claims Department at 1-800-641-4611 (Monday-Friday, 8:00am-4:30pm CT)
- Or call locally at 651-665-3529; after hours, leave a voicemail with your phone number
- Or file a claim online through the My Coverage portal at securian.com/mycoverage
- Complete the Beneficiary Claim Form provided by Securian
- Submit the completed claim form with a certified death certificate
- Qualifying claims of $250,000 or less may use Securian's Fast Track process, which accepts photographs of death certificates and eliminates paper mail
- Provide a voided check or deposit slip if selecting direct deposit (fastest payment method)
- Lump-sum payment
- Direct deposit (fastest method)
- Overnight check
- Legacy Account (interest-bearing account for claims of $10,000 or more)
Required Documents
- Completed Beneficiary Claim Form (provided by Securian after claim initiation)
- Certified death certificate (or photograph of death certificate for Fast Track claims of $250,000 or less)
- Government-issued photo ID for the beneficiary
- Policy number and deceased's information (name, date of birth, Social Security number)
- Voided check or deposit slip (for direct deposit payments)
- Trust documents and trustee identification (if a trust is the named beneficiary)
- Additional documentation as specified by Securian based on policy and circumstances
Claims Contact
What to know at this institution
Local phone: 651-665-3529. After hours, leave a voicemail with your phone number and area code. For group life insurance claims, contact your employer HR department first; the employer will provide Securian with the proper information. Securian partners with Empathy to provide bereavement support services to beneficiaries. Legacy Account is an interest-bearing account (2.00% annual rate as of December 31, 2025; guaranteed minimum 0.05%) for claims of $10,000 or more. Legacy Account access at eaccountservices.com/Securian; Legacy Account inquiries: 1-888-658-0193. Express assignment service available for direct coordination with funeral homes. Fast Track eliminates paper mail and certified death certificate requirements for qualifying claims of $250,000 or less. My Coverage digital portal available at securian.com/mycoverage for filing and tracking claims online.
Prepare your letter of instruction to Securian Financial
Securian Financial asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist Securian Financial requires.
Build your letter of instructionHow long the process takes at Securian Financial: Average of 2 days to claim determination for standard claims. Qualifying claims may receive a partial advance benefit (up to $25,000) before all documentation is received. Fast Track process available for qualifying claims of $250,000 or less. Direct deposit is the fastest payment method. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Securian Financial includes Completed Beneficiary Claim Form (provided by Securian after claim initiation), Certified death certificate (or photograph of death certificate for Fast Track claims of $250,000 or less), and Government-issued photo ID for the beneficiary, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Yes. An Irrevocable Life Insurance Trust (ILIT) can own a Securian Financial life insurance policy, removing the death benefit from the grantor's taxable estate. Securian also supports the Beneficiary Limited Access Trust (BLAT), a flexible ILIT that provides lifetime access to cash values for a beneficiary, and the Spousal Limited Access Trust (SLAT). Securian offers an Estate Preservation Agreement to help offset estate taxes during the three-year lookback period when transferring existing policies to an ILIT. For annuities, ownership can be transferred to a trust using the Owner and Annuitant Change Request form (Form F58401); however, trust-owned non-qualified annuities may lose tax-deferral benefits under IRC Section 72(u). Consult an estate attorney and tax advisor.
Call the Individual Claims Department at 1-800-641-4611 (or 651-665-3529 locally), Monday-Friday 8:00am-4:30pm CT. You can also file a claim online through the My Coverage portal at securian.com/mycoverage. Provide the policy number, insured's name and date of birth, date and cause of death, and beneficiary contact information. Securian will initiate the claim, send necessary forms, and list any additional documentation required. Qualifying claims of $250,000 or less may use the Fast Track process, which accepts photographs of death certificates and eliminates paper mail requirements. Average claim determination time is 2 days. After hours, leave a voicemail with your phone number and area code. For group life insurance claims, contact your employer HR department first.
Securian Financial offers several payout options: a lump-sum payment (the full death benefit in one payment), direct deposit to a bank account (fastest method), overnight check, or a Legacy Account. The Legacy Account is an interest-bearing account for claims of $10,000 or more that allows beneficiaries time to make informed financial decisions. As of December 31, 2025, the Legacy Account earns 2.00% annually with a guaranteed minimum of 0.05%. Legacy Account holders can withdraw, transfer, or write drafts at any time with no monthly service fees. Access the Legacy Account at eaccountservices.com/Securian or call 1-888-658-0193. Qualifying claims may also receive a partial advance benefit up to $25,000 before all documentation is received. Express assignment service is available for direct coordination with funeral homes.
For employer-sponsored group life insurance, contact your employer HR or benefits department first. The employer will provide Securian Financial with the proper information to initiate the claim. You can also call Securian's general customer service at 1-833-810-8260 (7am-6pm CT, Monday-Friday). Securian's Fast Track process for group claims of $250,000 or less eliminates the need for paper mail and accepts photographs of death certificates. The beneficiary will need to complete claim forms provided by Securian, submit a certified death certificate (or photograph for Fast Track), and provide government-issued photo ID.
Securian Financial's Life and AD&D Claims can be reached by phone at 1-800-641-4611 for questions throughout the claims process.
If the deceased held multiple Securian Financial policies, each may require a separate claim or have different documentation requirements. The Life and AD&D Claims can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Securian Financial primary sources (16 pages reviewed). How we research.
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
Life and AD&D Claims
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
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