How do I make a Death Benefit Claim?
You should first contact the person that set up the policy for you to establish that the benefit applies to your policy. This is either your Financial Advisor, one of our financial consultants or representatives. They will guide you through these steps:
Step 1: Send the following items to your Financial Advisor or to us:
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The Deceased's Certified* Birth Cert - we will return this immediately. If there are two lives insured on the policy please submit both birth certificates.
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Certified* Marriage Cert - if the deceased person was a married woman with a different surname than on her Birth Cert.
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Grant of Probate - where the deceased Life Insured is the sole policy owner we will require sight of the original Grant of Probate.
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The Deceased's Original Death Cert - we will return this immediately.
Step 2: We may write to the Life insured's GP for medical reports for our Chief Medical Officer.
Step 3: We will send your Financial Advisor a letter confirming the value and outlining any outstanding requirements. If the policy is assigned to a bank or building society we will write to the institution to request the original Policy Document and Deed of Assignment and notify your Financial Advisor of this. The benefit will be paid to the assignee unless we get written instructions from them to pay the policy owner directly. Where there is life cover under the policy we may request a medical report from the life insured's GP on behalf of our Chief Medical Officer.
Step 4: On receipt of all our requirements your claim will be assessed and where the claim is admitted, payment shall be made via electronic transfer to the appropriate bank acount.
*The following individuals can certify documents; your Financial Advisor, Garda Síochána, Chartered Accountant, Public Notary or Solicitor. In addition to this, the person who certifies the document should print their name and provide a contact number so that verification of the certifier’s details may be made by Zurich Life, if required. Where available, a stamp should be used by the certifier.
Please Note:
Under the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010 and 2013, Zurich Life requires clients to provide 'Evidence of Identity' and 'Proof of Address' and other supporting documentation.