How Do I Write a Letter of Instruction to Securian Financial?

Send it to Securian Financial's estate/claims department: Securian Financial, PO Box 64114, St. Paul, MN 55164-0114. You can reach the department at 651-665-3529.

Securian Financial lists these among its required documents: Completed Beneficiary Claim Form (provided by Securian after claim initiation); Certified death certificate (or photograph of death certificate for Fast Track claims of $250,000 or less); Government-issued photo ID for the beneficiary; Policy number and deceased's information (name, date of birth, Social Security number). The prepared letter includes an enclosure checklist drawn from Securian Financial's recorded requirements.

Average of 2 days to claim determination for standard claims. Qualifying claims may receive a partial advance benefit (up to $25,000) before all documentation is received. Fast Track process available for qualifying claims of $250,000 or less. Direct deposit is the fastest payment method.

Securian Financial 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.