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How is my death claim paid if it occurs out of country or due to natural disasters?

Life insurance is for the beneficiary. Therefore, make sure your beneficiary know about your insurance policy. A trustee should know about his appointment as a trustee of a minor beneficiary. They will have to approach the insurance company for claim settlement. Life insurance claims will be paid due to a natural death or an accidental death anywhere in the world. If the death is a suicide, the claim will only be paid if it has been two years after the policy was issued.

If the death occurs outside of the country, call the Insurance Company as soon as possible. They will let you know what documents to collect. However, these are the documents needed based on the type of claim.
Death by Illness: attendant physician statement, hospital record, funeral certificate, death certificate, traveling record and any other relevant documents.
Accidental Death: police record, autopsy, attendant physician, hospital record, death certificate, funeral certificate. Traveling record
Natural Disaster: Above documents (if the death certificate is not issued, client has to pay premium until 7 years or until the court declares the death of missing person and issues death certificate. Only then after, the claim will be paid.
Claim cannot be paid: In case of war, fraud, beneficiary’s interest, death due to involved in illegal activity, terrorist activates or in criminal offence.

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