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Prepare the letter of instruction Baltimore Life requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
Step 1 of 6
List every Baltimore Life policy number for which you are claiming the death benefit.
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Send it to Baltimore Life's estate/claims department: The Baltimore Life Insurance Company, Attn: Claims Department, 10075 Red Run Blvd., Owings Mills, MD 21117. You can reach the department at 1-800-628-5433.
Baltimore Life lists these among its required documents: Death certificate (copy acceptable for claims of $10,000 or less; certified copy required for claims over $10,000); Government-issued photo ID for the beneficiary (claimant); Completed claimant's statement (claim form provided by Baltimore Life); Original policy document(s) if available. The prepared letter includes an enclosure checklist drawn from Baltimore Life's recorded requirements.
Claims are usually processed within 10 business days from receipt of all required information. Missing or incomplete documentation may delay processing. Claims filed within two years of policy issuance or reinstatement may trigger a contestable period investigation.
Baltimore Life provides its own letter-of-instruction form. We complete that official form with your information; you print, sign, and send it.
It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.
A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.
