An investigation is standard for the situations below. Claims for these situations take longer due to the time required to obtain and review records from various entities. We will notify you if such circumstances apply and keep you updated on your claim’s progress. Click each scenario for details and requirements.
Under industry standards, a policy claim is “contestable” if the date of death is within the 2-year period following the policy issue date or reinstatement date.
Additional forms or information required:
Canada and U.S. territories (Puerto Rico, Guam, American Samoa, U.S. Virgin Islands) are not considered foreign.
Additional forms required:
Accidental deaths are only investigated when claim is filed for: