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Prepare the letter of instruction Legal & General America requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
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Which institution holds the account, and the capacity you are writing in.
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Send it to Legal & General America's estate/claims department: Banner Life Insurance Company, 3275 Bennett Creek Avenue, Frederick, MD 21704. You can reach the department at 1-800-638-8428 ext. 6974.
Legal & General America lists these among its required documents: Completed Proof of Death Claimant's Statement (each beneficiary must complete one; original signatures required); Certified death certificate containing cause and manner of death (cannot show cause as "pending"; will not be returned); Original policy document (if available; indicate on Statement form if unavailable); Government-issued ID for the beneficiary. The prepared letter includes an enclosure checklist drawn from Legal & General America's recorded requirements.
Claims of $50,000 or less may qualify for accelerated processing. Larger claims typically take 30-60 days from receipt of complete documentation. Banner Life reports a 99% claims payment rate.
Legal & General America provides its own letter-of-instruction/claim form. We prepare a transmittal cover letter and an enclosure checklist to accompany that form.
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.
