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Prepare the letter of instruction Equitable requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
Step 1 of 4
The Equitable life policies being claimed and the person who passed away. List every policy number; mark a policy Lost if you cannot provide the original document.
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Send it to Equitable's estate/claims department: Equitable, Life Operations, PO Box 1047, Charlotte, NC 28201-1047. You can reach the department at 1-800-777-6510.
Equitable lists these among its required documents: Certified copy of death certificate; Completed Claim to Life Insurance Benefits form or Claim to Annuity Benefits form (all beneficiaries must submit); Government-issued ID for each beneficiary; Payment Option election form or Special Payment Plan form. The prepared letter includes an enclosure checklist drawn from Equitable's recorded requirements.
Approximately 5 business days for review if claim is complete; Beneficiary Continuation Option elections due within 9 months of contract owner death
Equitable 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.
