How to File a Term Insurance Claim

Losing a loved one is one of the hardest things you’ll ever go through. The last thing you need is confusion about how to claim the life insurance they left for you. If you’re reading this, you’re probably navigating grief while trying to figure out paperwork, phone calls, and processes you never wanted to learn about. We understand. This guide exists to make that part easier.

Here’s what you should know upfront: despite the fear many people have about claim rejections, the numbers tell a different story. Most legitimate claims get approved. The Insurance Regulatory and Development Authority of India (IRDAI) reports that claim settlement ratios for term insurance have been consistently above 95% for major insurers in recent years. If the policy was bought honestly and the premiums were paid, the odds are strongly in your favor.

That said, we also know there’s a deep-seated trust deficit in the market. Negative word-of-mouth about denied claims creates deep reluctance among potential buyers. Per the India Life Insurance Insights 2025 survey, about 30% of people who witnessed a family member benefit from term insurance went on to buy a policy themselves: because seeing is believing. This guide exists to bridge that gap between fear and reality. We’ll walk you through every single step, from the moment you need to file a claim to the day the money arrives in your account.

The Quick Cheat Sheet: Essential Steps at a Glance

If you need the condensed version right now, here’s what you’ll be doing:

• Inform the insurer immediately: Call their helpline or use their online portal. Get a claim reference number.
• Obtain the death certificate: This is the most critical document. Get multiple certified copies.
• Gather all required documents: The list varies by death type (natural, accidental, abroad, suspicious). We cover this in detail below.
• Fill out the claim form: Download it from the insurer’s website or get it from their branch. Fill it carefully and completely.
• Submit everything together: Online submission is fastest. Keep copies of everything you send.
• Cooperate with verification: The insurer may ask for additional documents or clarifications. Respond promptly.
• Receive the payout: Once approved, the money is typically transferred directly to the nominee’s bank account within days.

Now let’s go through each of these steps in detail, so you know exactly what to expect.

Before You Start: What You Need to Know

How Term Insurance Claims Work

At its core, the term insurance claim process is simple: the nominee (or legal heir) files a claim with the insurance company, the insurer verifies that the claim is legitimate, and then the insurer pays out the sum assured. That’s it. The complexity comes from the verification part: insurers need to make sure the policy was valid, the death is covered, and all documentation is in order.

Term insurance policies pay out a lump sum when the insured person passes away during the policy term. Unlike other types of insurance, there are no partial payouts or installments (unless the policy has a specific income benefit rider). The full sum assured goes to the nominee.

The 30-Day Settlement Rule

IRDAI mandates that insurance companies must settle or reject a claim within 30 days of receiving all required documents. If they fail to do so, they must pay penal interest to the claimant. This rule exists to protect you from unnecessary delays.

The clock starts ticking only when the insurer has everything they need. If they ask for additional documents, the 30-day countdown pauses until you submit them. This is why it’s critical to get your documentation right the first time.

Who Can File the Claim

The person who can file the claim depends on how the policy was set up:

• Nominee: If the policyholder named a nominee (like a spouse, child, or parent), that person files the claim. The nominee receives the payout on behalf of the legal heirs but must distribute it according to succession laws.
• Assignee: If the policy was assigned (for example, to a bank as loan collateral), the assignee has the first claim on the payout. Any remaining amount goes to the nominee or legal heirs.
• Legal Heir: If no nominee was named and the policy wasn’t assigned, the legal heirs (as defined by Indian succession laws) can file the claim. This typically requires legal documentation like a succession certificate.

If you’re unsure about your status, call the insurer with the policy number. They’ll tell you who’s registered as the nominee or assignee.

Step-by-Step Claim Filing Process

Step 1: Intimate the Insurer Immediately

As soon as you learn about the death, inform the insurance company. You don’t need to have all the documents ready at this stage: just let them know what happened. This is called “intimation.”

Here’s how to do it:

• Call the helpline: Every insurer has a dedicated claims helpline. The number is on the policy document and their website. Some companies now offer WhatsApp intimation as well.
• Use the online portal: Many insurers have a “Register a Claim” button on their website or mobile app. You’ll need the policy number.
• Visit a branch: If you prefer in-person assistance, you can walk into any branch with the policy document.

During intimation, you’ll provide basic details: policy number, name of the deceased, date of death, and your contact information. The insurer will give you a claim reference number. Write this down. You’ll use it to track your claim status.

Step 2: Gather Required Documents

The term insurance claim documents you need depend on how the person died. We’ll cover the detailed checklist by death type in the next section, but here’s the universal list that applies to all claims:

• Original policy document: The physical or digital policy bond.
• Claim form: Duly filled and signed by the nominee. The insurer provides this.
• Death certificate: Issued by the municipal authority or gram panchayat. Get at least 3-4 certified copies. You’ll need them for banks, other insurers, and legal processes.
• Identity proof of the nominee: Aadhaar, PAN card, passport, or voter ID.
• Address proof of the nominee: Utility bill, Aadhaar, or bank statement.
• Bank account details of the nominee: Cancelled cheque or bank statement showing account number and IFSC code.
• Identity proof of the deceased: A copy of their Aadhaar or PAN card.

Beyond this, the insurer may ask for medical records, police reports, or other documents depending on the circumstances. The key is to be thorough and honest. Don’t hide anything. If the insurer discovers something you didn’t disclose, it can delay or jeopardize the claim.

Step 3: Fill Out the Claim Form

The claim form is a standardized document that every insurer requires. You can usually download it from their website, get it via email after intimation, or pick it up from a branch.

Here’s how to fill it without mistakes:

• Read the instructions first: The form comes with a guide. Follow it.
• Use block letters: Write clearly. Illegible forms get rejected or delayed.
• Fill every field: If a section doesn’t apply to you, write “N/A” instead of leaving it blank.
• Be accurate: Double-check dates, names, policy numbers, and account details. One wrong digit in the bank account number means the money goes to the wrong person.
• Attach supporting documents: The form will list what needs to be attached. Use a checklist to ensure nothing is missing.
• Sign where required: Some forms need signatures in multiple places. Don’t miss any.

Common mistakes to avoid:

• Signing in the wrong place (nominee vs witness signatures).
• Using old forms downloaded months ago. Always get the latest version from the insurer.
• Forgetting to attach the cancelled cheque or bank statement.
• Mentioning the wrong nominee name if multiple people are listed.

Step 4: Submit Everything

Once you have the completed claim form and all supporting documents, it’s time to submit them. You have two options:

Option 1: Online Submission

This is the fastest method. Most insurers now allow you to upload documents through their website or mobile app. You’ll scan or photograph each document and upload it as a PDF or image file. After submission, you’ll get a confirmation email or SMS with your claim reference number.

Advantages: Instant submission, no courier delays, easy tracking, and you keep digital copies of everything.

Option 2: Physical Submission

You can mail or hand-deliver the documents to the insurer’s branch or registered office. If you’re mailing, use registered post or a courier service that provides tracking. Keep photocopies of everything you send.

Advantages: Some people are more comfortable with paper. You get a physical acknowledgment receipt.

Tracking your claim: After submission, use your claim reference number to track progress. Most insurers have a “Track Claim Status” feature on their website or app. You can also call the helpline for updates.

Step 5: Cooperate with Verification

Once the insurer receives your claim, they’ll begin verification. This is not a sign that they distrust you: it’s a mandatory process to prevent fraud and ensure the claim is legitimate.

Here’s what the insurer typically checks:

• Policy validity: Was the policy active at the time of death? Were premiums paid on time?
• Cause of death: Does it fall within the coverage? (Most term plans cover all causes except suicide in the first year and certain exclusions like war or criminal activity.)
• Nomination details: Are you the rightful nominee?
• Medical history: Did the policyholder disclose all pre-existing conditions at the time of purchase? (This matters only if the policy is less than 3 years old: more on that below.)
• Documentation: Are all documents genuine and complete?

During this phase, the insurer may:

• Call you for clarifications.
• Request additional documents (like medical records from the hospital).
• Send an investigator to verify facts (more common for large claims or suspicious deaths).
• Contact the hospital, doctor, or police to confirm details.

Your job: Respond promptly. If they ask for a document, send it the same day if possible. If you can’t get something immediately, let them know when you’ll have it. Delays on your end mean delays in settlement.

About Section 45 of the Insurance Act: If the policy has been in force for more than 3 years, the insurer cannot question its validity except on grounds of fraud. This means they can’t deny your claim based on non-disclosure of medical history or other issues: unless you deliberately lied to get the policy. This is a major protection for claimants.

Step 6: Receive the Payout

Once the insurer approves the claim, they’ll transfer the sum assured to the nominee’s bank account. This usually happens within 2-5 business days of approval. You’ll receive a confirmation SMS and email.

The payout is typically made via NEFT or RTGS. For very large sums, the insurer may issue a demand draft instead, though this is becoming rare.

Tax implications: The good news is that term insurance payouts are tax-free under Section 10(10D) of the Income Tax Act. You don’t have to pay income tax on the amount you receive. However, if you invest the money (say, in a fixed deposit or mutual fund), any earnings from that investment will be taxable.

If you don’t receive the payout within the promised time, contact the insurer immediately. If the delay is on their end and all documents were submitted, you’re entitled to penal interest.

Document Checklist by Type of Death

The documents you need vary depending on how the insured person died. Here’s a detailed breakdown for each scenario.

Natural Death

This includes death from illness, disease, old age, or medical conditions like heart attack, cancer, or diabetes.

Required documents:

• Death certificate: Issued by the municipal corporation or local authority.
• Claim form: Filled and signed by the nominee.
• Medical records: Hospital discharge summary, treatment records, doctor’s notes, and prescriptions for the last illness. If the person died at home, you’ll need a certificate from the attending doctor or the doctor who declared the death.
• Attending physician’s statement: Some insurers provide a specific form for the doctor to fill out. It asks about the cause of death, treatment given, and medical history.
• Policy document: Original or copy.
• ID and address proof of the nominee: Aadhaar, PAN, passport, voter ID, etc.
• Bank details of the nominee: Cancelled cheque or bank statement.

Timeline: If all documents are in order and the policy is more than 3 years old, natural death claims are usually settled within 15-20 days.

Accidental Death

This includes death from road accidents, falls, drowning, electrocution, or any sudden, unintentional event.

Required documents:

• Death certificate: Clearly mentioning “accidental death.”
• Claim form: Filled and signed by the nominee.
• First Information Report (FIR): Filed with the police. If the accident was on a road, the traffic police FIR is essential.
• Panchnama: A report prepared by the police describing the accident scene.
• Post-mortem report: Required if the death was sudden or if the police ordered an autopsy. The report should confirm the cause of death.
• Medical records: If the person was hospitalized before death, include treatment records.
• Eyewitness statements: If available, statements from people who saw the accident can support the claim.
• Viscera report: If poison or intoxication is suspected, the police may conduct a viscera test. The report will be needed.
• Policy document, ID, and bank details: Same as for natural death.

Timeline: Accidental death claims take longer due to police involvement. Expect 30-45 days if the investigation is straightforward. If the case is complex or suspicious, it can take several months.

Death Abroad

If the insured person died outside India, you’ll need additional documentation to prove the death and comply with international procedures.

Required documents:

• Death certificate issued by the foreign country: This must be certified by the Indian consulate or embassy in that country.
• Translated death certificate: If the original is in a foreign language, get it translated into English by a certified translator. The translation should be notarized.
• Police report: If the death was accidental or suspicious, the local police report is required.
• Repatriation documents: If the body was brought back to India, include documents from the airline or shipping company, and the clearance from Indian customs.
• Medical records: If the person was treated abroad before death, include hospital records.
• Claim form, policy document, nominee ID, and bank details: Same as above.

Timeline: Death abroad claims can take 45-90 days due to the need for international document verification and consulate involvement.

Suspicious or Unnatural Death

This includes deaths where the cause is unclear, suspected suicide, murder, or any case where the police are investigating.

Required documents:

• Death certificate: May state “cause under investigation.”
• Claim form: Filled and signed by the nominee.
• FIR and police investigation report: The insurer will wait for the police to complete their investigation. You’ll need to submit the final investigation report or closure report.
• Post-mortem report: Mandatory. It should state the cause of death.
• Inquest report: If the magistrate conducted an inquest, that report is required.
• Court documents: If the case goes to court, the insurer may ask for court orders or judgments.
• Medical records: If the person was treated before death or if there’s a history of mental health issues (in case of suicide), these records are critical.
• Policy document, nominee ID, and bank details: Same as above.

Special note on suicide: If the policy is more than 1 year old, suicide is covered. If it’s less than 1 year old, the claim will be rejected, and only the premiums paid will be refunded. This is an industry-wide rule.

Timeline: These claims can take 60-180 days or longer, depending on how quickly the police investigation concludes.

Document Requirements by Death Type: Quick Comparison

Death Type	Key Documents Needed	Typical Timeline	Investigation Likelihood	Complexity Level
Natural Death	Death certificate, medical records, attending doctor statement	15-20 days	Low (unless policy <3 years)	Simple
Accidental Death	Death certificate, FIR, panchnama, post-mortem, eyewitness statements	30-45 days	Medium to High	Moderate
Death Abroad	Consulate-certified death certificate, translation, repatriation docs	45-90 days	Medium	Moderate to Complex
Suspicious/Unnatural Death	FIR, police investigation report, post-mortem, inquest report, court docs	60-180 days	Very High	Complex

Case Study: How Anita Filed Her Husband’s ₹1 Crore Claim in 18 Days

Anita, 40, lives in Bengaluru with her two children. Her husband Ravi, 42, was an IT professional who bought a ₹1 crore term insurance policy 5 years ago. On a Tuesday morning, Ravi suffered a cardiac arrest at home and was declared dead at the hospital within hours.

Anita was devastated, but she remembered that Ravi had told her about the term policy. That same day, while still at the hospital, her brother helped her call the insurer’s helpline. She provided the policy number (which Ravi had saved in a shared Google Drive folder) and informed them of the death. The customer service representative gave her a claim reference number and sent an email with the claim form and document checklist.

Two days later, Anita received the death certificate from the hospital. The cause of death was clearly stated: “acute myocardial infarction” (heart attack). She gathered the other required documents: Ravi’s hospital admission records, the attending cardiologist’s statement, her own Aadhaar card, a cancelled cheque, and the policy document.

On day 4, she filled out the claim form carefully, double-checking every detail. On day 5, she uploaded all documents through the insurer’s online portal. The system confirmed receipt instantly.

Over the next 10 days, the insurer verified the claim. Because the policy was more than 3 years old, it was protected under Section 45 of the Insurance Act: the insurer couldn’t question the policy’s validity. The cause of death was natural and covered. The documentation was complete. There were no red flags.

On day 18, Anita received an SMS: “Claim approved. ₹1,00,00,000 credited to your account.” She checked her bank app and saw the amount. It was real.

According to the India Life Insurance Insights 2025 survey, approximately 30% of people who witness a successful claim settlement go on to buy term insurance themselves. Anita became one of those advocates. She later told her friends and family: “If Ravi hadn’t bought that policy, I don’t know how we would’ve managed. The claim process was smooth because he kept all the documents organized and told me where to find them.”

This is what a well-prepared claim looks like. Anita’s experience isn’t unique: it’s what happens when everything goes right.

What If Something Goes Wrong

Sometimes, despite your best efforts, things don’t go smoothly. Here’s what to do if your claim is delayed or rejected.

Claim Delayed Beyond 30 Days

If the insurer doesn’t settle or reject your claim within 30 days of receiving all documents, they owe you penal interest. The interest rate is set by IRDAI and is typically around 2% above the bank rate.

What to do:

1. Send a written reminder to the insurer (email is fine). Reference your claim number and the date you submitted all documents.
2. If they don’t respond within 7 days, escalate to their grievance officer. The contact details are on their website.
3. If still no response, file a complaint with the Insurance Ombudsman (more on that below).

Keep records of all communication. Emails, letters, and call logs can be used as evidence if you escalate.

Claim Rejected

If your claim is rejected, the insurer must provide a written reason. Read it carefully. Rejections usually fall into a few categories:

• Non-disclosure of material facts: The policyholder didn’t disclose a pre-existing medical condition at the time of purchase. (This applies only if the policy is less than 3 years old.)
• Policy lapsed: Premiums weren’t paid, and the policy was no longer active at the time of death.
• Exclusion applies: The cause of death is explicitly excluded in the policy (e.g., death due to participation in war, criminal activity, or suicide within the first year).
• Fraudulent claim: The insurer believes the claim is based on false information.

If you believe the rejection is unjustified, you have options:

1. Appeal to the insurer: Write to their grievance officer explaining why you disagree with the rejection. Provide additional evidence if you have any.
2. Go to the Ombudsman: If the internal appeal doesn’t work, escalate to the Insurance Ombudsman.
3. File a consumer complaint: For large claims, you can approach a consumer court.

Insurance Ombudsman: Your Free, Powerful Option

The Insurance Ombudsman is an independent authority appointed by IRDAI to resolve disputes between policyholders and insurers. The service is completely free. You don’t need a lawyer.

When to approach the Ombudsman:

• Your claim was rejected, and you believe the rejection is unfair.
• Your claim is delayed beyond 30 days despite submitting all documents.
• The insurer is asking for unreasonable documents or acting in bad faith.

How to file a complaint:

1. Go to the IRDAI website and find the Ombudsman for your region. There are Ombudsmen in major cities like Mumbai, Delhi, Bengaluru, Chennai, Kolkata, etc.
2. Fill out the complaint form. You’ll need to describe the issue, attach copies of all relevant documents (policy, claim form, rejection letter, correspondence with the insurer), and state what resolution you’re seeking.
3. Submit the form online or by post.
4. The Ombudsman will review your case and may call for a hearing where both you and the insurer present your sides.
5. The Ombudsman’s decision is binding on the insurer (up to ₹50 lakh). If you’re not satisfied, you can still go to court.

Timeline: The Ombudsman typically resolves cases within 3-6 months.

Consumer Court for Larger Claims

If your claim is above ₹50 lakh or if the Ombudsman’s decision doesn’t resolve the issue, you can file a case in consumer court. You’ll likely need a lawyer for this.

Consumer courts have jurisdiction over insurance disputes, and they can award compensation, including damages for mental harassment and legal costs. However, court cases take time: sometimes years.

Common Reasons Claims Get Stuck (and How to Unstick Them)

• Incomplete documentation: The insurer keeps asking for “one more document.” Solution: Ask for a comprehensive checklist upfront and submit everything at once.
• Nominee details don’t match: Your name on the claim form doesn’t match the name in the insurer’s records. Solution: Provide a legal name change certificate or marriage certificate if your name changed after the policy was bought.
• Bank account issues: The bank details you provided are incorrect or the account is frozen. Solution: Double-check IFSC code and account number. If the account is frozen due to legal issues, you’ll need to resolve that first.
• Medical history questions: The insurer suspects non-disclosure. Solution: If the policy is more than 3 years old, invoke Section 45 protection. If it’s less than 3 years old, provide proof that the condition was disclosed or wasn’t known at the time of purchase.
• Suspicious circumstances: The insurer thinks something doesn’t add up. Solution: Be transparent. Provide all evidence. If you’re innocent, the investigation will clear you.

Preparing in Advance: What Every Policyholder Should Do Today

If you’re a policyholder reading this to prepare for the future (or to help your family), here’s what you can do right now to make the claim process easier for your loved ones.

Create a Policy Document Kit

Gather all your insurance documents in one place. This includes:

• The policy document (physical or PDF).
• Premium payment receipts.
• The insurer’s helpline number and claim email address.
• Your policy number and any login credentials for the insurer’s portal.

Store these in a folder (physical or digital) that your nominee knows how to access. Label it clearly: “Insurance Documents.”

Tell Your Nominee About the Policy

Sit down with your nominee and explain:

• That you have a term insurance policy.
• Where the documents are stored.
• How much the sum assured is.
• Who to call (the insurer’s helpline) if something happens to you.

Many claims go unclaimed simply because the family doesn’t know the policy exists. Don’t let that happen.

Keep Nominee Details Updated

Life changes. You get married, have children, move cities. Make sure your nominee details are always current. If you want to change the nominee, log into your insurer’s portal or visit a branch. Don’t put it off.

Also, if your nominee’s contact information changes (phone number, address), inform the insurer.

Store Documents Digitally

Physical documents can get lost, damaged, or misplaced. Scan your policy document and save it as a PDF. Upload it to Google Drive, Dropbox, or a password manager. Share access with your nominee or a trusted family member.

Some insurers also offer a “digital locker” feature where all your policy documents are stored online. Use it.

What Should You Do Next?

Your next steps depend on where you are in the process:

If you’re filing a claim right now:

1. Intimate the insurer immediately if you haven’t already.
2. Use the checklists in this guide to gather all required documents based on the type of death.
3. Fill out the claim form carefully and submit everything at once.
4. Track your claim status weekly and respond promptly to any insurer requests.
5. If you’re stuck or facing delays, escalate to the grievance officer or Ombudsman.

If you’re preparing your family for the future:

1. Create your policy document kit today.
2. Sit down with your nominee and walk them through where everything is stored.
3. Update your nominee details if anything has changed.
4. Bookmark this guide and share it with your family so they know what to do when the time comes.

If your claim has been delayed or rejected:

1. Get the rejection reason in writing.
2. Review it carefully and gather any additional evidence that supports your case.
3. Appeal to the insurer’s grievance officer first.
4. If that doesn’t work, file a complaint with the Insurance Ombudsman.
5. Consider legal action if the amount is large and the rejection is clearly unjust.

Explore This Topic

If you want to dive deeper into related topics, here are some guides that can help:

• Documents Needed for Term Insurance Claim: Your Quick Guide to a Smooth Payout: A detailed breakdown of every document you’ll need, with tips on how to get them quickly.
• Why Term Insurance Claims Get Rejected (and How to Prevent It): Learn the most common reasons for rejection and how to avoid them when buying or maintaining your policy.
• Claim Settlement Ratio: What It Really Means and How to Use It: Understand what CSR tells you (and what it doesn’t) about an insurer’s reliability.
• How to Renew Your Policy: A Complete Guide for Indian Policyholders: Make sure your policy stays active so your family doesn’t face a lapsed policy claim rejection.

Frequently Asked Questions

How long does it take to receive a term insurance claim payout?

For straightforward claims with complete documentation, the payout typically arrives within 15-30 days. Natural death claims where the policy is more than 3 years old are usually the fastest. Accidental or suspicious death claims can take 30-90 days due to police investigations and additional verification. The insurer is legally required to settle or reject a claim within 30 days of receiving all required documents.

Can a claim be rejected if the policyholder forgot to update their address or phone number?

No, outdated contact details alone are not a valid reason to reject a claim. However, it can cause delays in processing because the insurer may struggle to reach you for verification. Always keep your contact information updated to avoid unnecessary complications.

What happens if the nominee has also passed away?

If the nominee has died, the claim passes to the legal heirs of the policyholder (not the nominee’s heirs). The legal heirs will need to provide a succession certificate or legal heir certificate along with the standard claim documents. This process takes longer: typically 60-90 days: because of the additional legal documentation required.

Is the claim amount taxable?

No, the claim payout from a term insurance policy is tax-free under Section 10(10D) of the Income Tax Act. You don’t have to pay income tax on the amount you receive. However, if you invest the money and earn returns (like interest or capital gains), those earnings are taxable.

Can I file a claim if I’ve lost the original policy document?

Yes, you can still file a claim. Contact the insurer and explain that the policy document is lost. They’ll ask you to submit an indemnity bond (a legal document stating that you won’t make a duplicate claim) along with the other required documents. Most insurers also have digital records, so the physical document is not always mandatory.

What if the insurer says the policy lapsed, but I thought it was active?

If you believe there’s been a mistake, ask the insurer for the premium payment history. Check whether the premiums were actually paid on time. If you can prove that the premiums were paid (through bank statements or receipts) and the insurer’s records are wrong, you can dispute the lapse. If the insurer refuses to budge, escalate to the Ombudsman. If the policy genuinely lapsed and wasn’t revived, the claim will be rejected.

What documents are needed to file a term insurance claim?

The essential term insurance claim documents include: the original policy document, a duly filled claim form, the death certificate (get multiple certified copies), identity and address proof of the nominee, bank account details (cancelled cheque), and identity proof of the deceased. Depending on the type of death, you may also need medical records, an FIR, post-mortem report, or consulate-certified documents for deaths abroad. Submit everything together to avoid delays in the term insurance claim process.

Ready to Secure Your Family’s Future?

If you’re reading this guide as preparation rather than during an emergency, that’s smart thinking. The best time to plan is before you need to act. Make sure you have the right amount of coverage and that your family knows how to access it.

Use our free tools to check where you stand:

• Coverage Calculator: Find out how much term insurance you really need based on your income, expenses, and goals.
• Premium Calculator: See how much it will cost to protect your family at different coverage levels.

Term insurance is the most important financial decision you’ll make for your family. And when the time comes to file a claim, this guide will be here to walk them through it: step by step, with empathy and clarity.

Related Reading

• Documents for Term Insurance Claim: Checklist
• Why Term Insurance Claims Get Rejected
• Nominee Confusion: Why Claims Still Fail