How Do I Write a Letter of Instruction to Primerica?

Send it to Primerica's estate/claims department: Primerica Life Insurance Company, Attn: Claims Department, Executive Office: 1 Primerica Parkway, Duluth, GA 30099-0001 (New York policies: National Benefit Life Insurance Company, Attn: Claims Department, Administrative Office: 1 Primerica Parkway, Duluth, GA 30099-0001). You can reach the department at 1-888-893-9858.

Primerica lists these among its required documents: Certified copy of the insured's death certificate showing the CAUSE and MANNER of death (Primerica's claim instructions require both; a plain certified copy that omits cause of death can be rejected); Copy of the beneficiary's state or federal issued ID (driver's license, identification card, or passport); Completed claim form — each beneficiary must complete and submit their OWN claim form, though only one death certificate is needed for the policy; If the beneficiary is a minor, incapacitated, or unable to sign: the guardian/conservator/attorney-in-fact submits the form, plus a copy of THEIR ID and a certified copy of the Letters of Guardianship, Conservatorship Appointment, and/or Power of Attorney; the minor or incapacitated beneficiary's Social Security number is also required. The prepared letter includes an enclosure checklist drawn from Primerica's recorded requirements.

Approximately 14 days to process a death claim once all required documents are received. Life insurance policies over 2 years old are incontestable and process upon receipt of complete paperwork. Policies under 2 years (contestable period) may require additional investigation including beneficiary interview, medical authorization, tobacco use affidavit, or medical and driving records.

Primerica 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.