Reporting a Life Insurance Claim FAQs

Best practices include maintaining all your life insurance policies, annuity contracts, wills and financial instructions in a secure physical or digital location. Ensure that a trusted family member or close friend is aware of where these documents are being stored. We recommend that you periodically review your documents to determine if any changes are necessary (e.g., beneficiaries).

To report an insured’s death, call 800-234-5433, ext. 89079, weekdays between 8:30 a.m. - 5 p.m. ET. A claim can also be reported online. An Amica account is not required to file a claim.

Amica will require the insured’s name and date of death.

Amica will review the policy, verify the beneficiaries and send claim forms to them to complete. Amica will also require a death certificate to settle the claim.

Generally, once all claim requirements are received, a settlement is processed within five to 10 business days. However, every situation is different, and there may be times when a claim could be contested or otherwise not approved in this time frame.

Amica is here to support you and your family through the challenging days, weeks and months following the loss of a loved one. Amica has partnered with Empathy to provide complimentary, on-demand access to needed practical and emotional support, including:

• Planning immediate arrangements, such as a funeral or religious ceremony
• Help with finding documents or guidance on closing accounts
• Emotional support and resources for coping with grief
• Guidance for probate and estate settlement processes
• A dedicated care manager

For more information, please visit the Empathy app page.