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Prepare the letter of instruction Cincinnati Life requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
Step 1 of 5
The policies you are claiming under and the deceased insured they cover.
The person covered by the policy.
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Send it to Cincinnati Life's estate/claims department: The Cincinnati Life Insurance Company, Attn: Life Claims, P.O. Box 145496, Cincinnati, OH 45250-5496. You can reach the department at 1-888-212-6970.
Cincinnati Life lists these among its required documents: Certified death certificate showing final cause and manner of death (original required when face amount equals $100,000 or more; copy accepted if total coverage is under $100,000); Completed Claimant's Statement for Life Insurance Benefits form (state-specific forms provided by Cincinnati Life after claim is reported); Original policy document (if lost, note on the claim form); Policy number, insured's name, address, Social Security number, and date of birth. The prepared letter includes an enclosure checklist drawn from Cincinnati Life's recorded requirements.
Claims are generally paid within 3-5 business days after receipt of all necessary documents and approval of the claim. Cincinnati Life follows up at least every 30 days for any outstanding requirements.
Cincinnati 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.
