Life Insurance Claims FAQ

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

    For more information about the claims filing process, click here: Life Claim Filing Instructions

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department.

    Phone: (800) 333-0637 or (205) 325-4979
    Email: custserv@libnat.com
    Hours of Operation:
    7:30 a.m. to 5 p.m. Central
    Monday through Friday

  3. My policy has been in force less than two years, how can I expedite the processing time for my claim?

    The process can be expedited by completely and accurately completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 5 years.

    For more information about the claims filing process, click here: Life Claim Filing Instructions

  4. I’m filing a claim for accidental death benefits, how can I expedite the processing time?

    All accidental death benefits, regardless of how long the coverage has been in force, will be investigated to ensure the death meets the criteria of an accident as defined in the policy.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report

  5. I’m filing a claim where the manner of death of the insured was homicide, how can I expedite the processing time?

    All claims where the manner of death is homicide will be investigated.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A certified copy of the coroner’s report

  6. How do you determine who to pay?

    The application includes a section where the beneficiary is designated. Also, through the life of the policy, the insured may elect to change the beneficiary. These changes are recorded in our computer system. If no beneficiary is chosen, we will issue the proceeds to the estate of the insured, unless a Last Will and Testament is provided that identifies a recipient to the insurance proceeds. Should there not be an estate in place, we will require a document from the courts stating as such. Depending on your state, it might be called a “No Estate Affidavit,” “Small Estate Affidavit,” “Summary of Estate,” or something similar. If you are unsure how to obtain this document, please contact your local County Court Clerk.