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Notification is NOT required if the policy has lapsed or if it is the death of the policy owner (not the insured). |
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If the death benefit is less than $10,000, follow the Express Claims process. |
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Otherwise, complete the following steps to facilitate a timely claims process: |
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Step 1 |
Notification |
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Before submitting any claim forms you must report the death by either:
- Using our quick and easy Notification Form OR
- Contacting Manulife at 1-800-387-2747 (to report the claim and verify the
beneficiary if you are unsure of the correct beneficiary)
Completing this step before filling out a claim form will avoid delays in processing your claim. Following this notification, the Claims Team will send a letter to the beneficiary confirming notification and outlining all claims requirements.
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Step 2 |
Complete the Claim Form |
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Print the Death Claim Form and send or personally deliver them to the beneficiary(ies). |
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Do not complete a claim form if it is the first death of a survivorship policy (only Notification is required). |
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Step 3 |
Meet with the Beneficiary(ies) |
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Meet with the beneficiary(ies) to help complete the forms and identify any other important issues that need to be addressed. This would be the appropriate time to:
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NOTE: Review the Tips on Completing the Claim Form to avoid confusion and delays. |
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Step 4 |
Submit the Requirements |
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Submit proofs of death and all other requirements on behalf of the beneficiary. At a minimum these include a certified death certificate, the insured´s policy(ies) and a completed claim form. Then await completion of the claims process (generally takes 4 working days from receipt of all requirements unless it is contestable). |
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Step 5 |
Deliver the Proceeds |
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Deliver the death benefit proceeds, where appropriate. (If the proceeds exceed $250,000 it will be delivered to the beneficiary via an electronic transfer.) |
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Step 6 |
Follow-up Visit |
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Make a follow-up visit to provide financial counseling. |
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If you have questions or require further information, call our Customer Service Center at
1-800-387-2747 and ask to speak with a Claims Analyst. |
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