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Prepare the letter of instruction Bankers Fidelity requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
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The person covered by the policy and the policy you are claiming under.
Used on the HIPAA medical authorization.
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Send it to Bankers Fidelity's estate/claims department: Bankers Fidelity Life Insurance Company, Attn: Claims Department, 4370 Peachtree Road NE, Atlanta, GA 30319. You can reach the department at 1-866-458-7499.
Bankers Fidelity lists these among its required documents: Completed Life Claim Form (BFL CF-LIFE), signed by the beneficiary or trustee; Certified death certificate; Copy of the obituary (if available); Government-issued photo ID for the beneficiary. The prepared letter includes an enclosure checklist drawn from Bankers Fidelity's recorded requirements.
Life insurance claims are typically processed within 10-30 business days after all required documentation is received and the claim is approved. Delays may occur if the policy is within the two-year contestability period, documentation is incomplete, or circumstances of death require investigation.
Bankers Fidelity 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.
