What to do when a Trustmark Voluntary Benefits account holder dies
Report the death to Trustmark Voluntary Benefits' Claims at 1-877-201-9373
Filing a death claim on a Trustmark Voluntary Benefits policy begins with notifying the Claims at 1-877-201-9373 ext. 45750. 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 Trustmark Voluntary Benefits requires:
Filing a claim
- Online through the Report a Death page.
- Or call Claims at 877-201-9373 x45750, or email LifeClaimsVB@trustmarkbenefits.com.
- For New York life insurance, Trustmark asks you to contact it to obtain the appropriate claim form: NY Customer Care 1-866-949-6036.
- Download the Death Benefit Claim form from the Life Insurance section of the forms library.
- The Statement of Beneficiary is completed by one person to whom the benefits are payable.
- If there is more than one beneficiary, all may join in one statement or a separate form will be furnished for each.
- If the beneficiary is the estate, executor or administrator, the executor or administrator completes the statement.
- If the beneficiary is a minor or a mentally incompetent person, the guardian completes the statement.
- If the beneficiary is a trust, the designated trustee completes the information on behalf of the trust.
- Trustmark asks that claim forms and all required supporting documents be filed within 30 days of death claim notification.
- Email LifeClaimsVB@trustmarkbenefits.com or fax 508-853-0310.
- Or mail to Trustmark, PO Box 2906, Clinton, IA 52733-2906.
- Go to the Report a Death page, which hosts Trustmark's online claims application.
- Trustmark describes online submission as the fastest and easiest way for policyholders to submit a claim, with EFT/ACH payment options.
- Claims team hours: Monday through Thursday, 6:00 AM to 7:00 PM CT; Friday, 6:00 AM to 6:00 PM CT.
- Claim-related questions by email: ClaimContactVB@trustmarkbenefits.com.
Required Documents
- Completed Death Benefit Claim form A112-2502 (Statement of Beneficiary)
- Certified copy of the death certificateIt should indicate the manner and cause of death.
- Certified copy of the executor's or administrator's appointment and qualifications, if the estate, an executor or an administrator is the beneficiary
- Proof of financial guardianship, if the beneficiary is a minor or mentally incompetent personFor a minor, also a copy of the minor's birth certificate and Social Security card.
- Complete copy of the Declaration of Trust, if a trust is the beneficiary
- Notarized copy of any assignment of benefits, if benefits are assigned, for example to a funeral home or funding company
- Police report, accident report, autopsy report or toxicology report, if death was from an accident, suicide, overdose or homicideA copy of any such report.
- Petition for divorce, any property settlement agreements and the final divorce decree, if an ex-spouse is the named beneficiaryCopies. The claim form notes that under certain circumstances state law revokes an ex-spouse as beneficiary upon divorce.
Claims Contact
Website: Online portal →
Forms Trustmark Voluntary Benefits issues1
- Death Benefit Claim (form A112-2502)
Completed by one person to whom the benefits are payable; the executor or administrator, guardian or trustee where the estate, a minor or a trust is the beneficiary. Available to download.1, 2
What happens to each kind of account1
- Life insurance policy
If a trust is the beneficiary and makes no claim within 12 months after Trustmark is notified of the death, or Trustmark receives satisfactory evidence the trust is not in effect, payment is made as if the trust had not been named.3
Trustmark states that it processes Universal Life claims within five business days, including communication to confirm payment or ask for more information.
Frequently asked questions
The life insurance policies: Universal LifeEvents, Universal Life, and Trustmark Life + Care pay a death benefit to named beneficiaries, and Trustmark publishes Trust Beneficiary Designation Form A112-2520 for naming a trust. Accident, Critical HealthEvents, Hospital StayPay, and Paycheck Protect pay benefits to the insured and describe no death benefit. Trustmark's Change of Ownership Form P684-4 transfers ownership to a named new owner and does not address trusts.
No. Change of Ownership Form P684-4 (https://www.trustmarkbenefits.com/Trustmark-Benefits-Web/media/Files/VB/P684-4_change-of-ownership.pdf) assigns all rights of ownership to the new owner and states that it "shall not change the beneficiary on record"; if a beneficiary change is wanted, the new owner must also complete a beneficiary form. The change is not effective until approved by Trustmark. If the current owner has died, the form asks for a death certificate and probate/estate paperwork with the signed form.
The Death Benefit Claim form A112-2502 and a certified copy of the death certificate, which should indicate the manner and cause of death. If the estate, an executor or an administrator is the beneficiary, the executor or administrator completes the Statement of Beneficiary and sends a certified copy of the appointment and qualifications. If a trust is the beneficiary, the trustee completes it and sends a complete copy of the Declaration of Trust. Trustmark asks that the form and documents be filed within 30 days of death claim notification. Send them to LifeClaimsVB@trustmarkbenefits.com, fax 508-853-0310, or Trustmark, PO Box 2906, Clinton, IA 52733-2906; questions go to 877-201-9373 x45750.
No. Trustmark Voluntary Benefits is the worksite insurance business of Trustmark Mutual Holding Company in Lake Forest, Illinois; its products are underwritten by Trustmark Insurance Company or, for life insurance in New York, Trustmark Life Insurance Company of New York. Trustmark Bank (formerly Trustmark National Bank) is a bank in Jackson, Mississippi. Life insurance death claims for Trustmark Voluntary Benefits go to Trustmark, PO Box 2906, Clinton, IA 52733-2906, phone 877-201-9373 x45750.
Trustmark Voluntary Benefits' Claims can be reached by phone at 1-877-201-9373, email at LifeClaimsVB@trustmarkbenefits.com, and fax at 1-508-853-0310 for questions throughout the claims process.
Sources
Data sourced from Trustmark Voluntary Benefits primary sources (25 pages reviewed). How we research.
Trustmark Voluntary Benefits death claims support
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