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What to do when a Sentinel Security Life account holder dies

Report the death to Sentinel Security Life's Death claims at 1-800-247-1423

A death claim on a Sentinel Security Life policy is filed through the Death claims (1-800-247-1423). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.

Begin by calling Sentinel Security Life at 1-800-247-1423. You will need the deceased's full name, account numbers, and the death certificate to get the process started.

Death claim process

The death claim process at Sentinel Security Life works as follows:

Filing a claim

1
Report the death to Sentinel Security Life at (800) 247-1423:
  • Give the policy number, or as much information on the insured as possible
2
Obtain the claim forms from the Policyholder FORMS page, or have Sentinel mail them
3
Each beneficiary completes the claim form
4
Mail the claim forms to the address for the product line: Annuities, PO Box 64435, St Paul, MN 55164-0435; Life & Health, PO Box 64453, St Paul, MN 55164-0453

Required Documents

  • Claim formCompleted by each beneficiary. The form comes from the Policyholder FORMS page or is mailed on request.

Forms Sentinel Security Life issues1

Sentinel Security Life Claim Form

Completed by each beneficiary. Sent by the institution on request.1

What happens to each kind of account1

Annuity

Personal Choice Annuity: if the contract has no Death Benefit Feature rider, surrender charges may apply to the death claim.1

Accumulation Protector Plus: no withdrawal charges apply to death benefits. A spouse who is sole primary beneficiary may continue the contract as owner.1

What Sentinel Security Life's agreement and guidance say1

How proceeds are paid

Accumulation Protector Plus: the beneficiary may take a lump sum or a settlement option (Lifetime Income Only, Period Certain Only, or Lifetime Income with Guaranteed Period Certain).1

Guaranteed Income Annuity: each beneficiary may elect a lump sum, deferred payout within 5 years, or period certain payments of at least 5 years.1

Personal Choice Plus+: a beneficiary that is not a natural person is paid a lump sum.2

Sources2

Download instructions for the whole estate

Sentinel Security Life's Death claims can be reached by phone at 1-800-247-1423 for questions throughout the claims process.

SimplyTrustSimplyTrust Editorial·

Sources

Data sourced from Sentinel Security Life primary sources (21 pages reviewed). How we research.

Sentinel Security Life death claims support

Death claims (report by phone)

Mailing address

Life & Health: PO Box 64453, St Paul, MN 55164-0453; Annuities: PO Box 64435, St Paul, MN 55164-0435
Verified Sep 2026

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