How Do I Get Paid For My Deceased Spouse's Life Insurance?

Death benefits are not paid out automatically from a life insurance policy. The beneficiary must first file a claim with the life insurance company. Depending on the insurance company's policies, this may be done online or it may require a paper claims filing.

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Online

Go to Prudential's death claim website.

Click the "Start a Claim" button.

Enter your deceased spouse's policy number and date of death.

Complete the online claim form and upload the required documents.

Submit your claim.

Phone

Call Prudential's death claim department at 1-800-778-2255.

Tell the representative that you would like to file a death claim.

Provide the representative with your deceased spouse's policy number and date of death.

The representative will help you complete the claim form and answer any questions you have.

Mail

Download and print the Prudential death claim form.

Complete the form and mail it to the following address:

Prudential Financial, Inc.

Death Claims Department

P.O. Box 1564

Newark, NJ 07101-1564

Required documents

A certified copy of your deceased spouse's death certificate

A copy of the Prudential life insurance policy

A completed Prudential death claim form

Payout options

Once your death claim is approved, you will have the option to receive the death benefit in one of the following ways:

Lump sum

Installments

Annuity

How long does it take to get paid?

Prudential typically processes death claims within 30 days of receiving all of the required documentation. However, it may take longer if the insurance company needs to investigate the claim further.

Additional tips

If you are unsure which Prudential life insurance policy your spouse had, you can contact the company to find out.

If you have any questions about the death claim process, you can contact Prudential for assistance.

You may want to consider working with a financial advisor to help you decide how to best use the death benefit.

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I'm really sorry for your loss. To get the money from your spouse's life insurance, you'll need to:

1. Contact the Insurance Company, get in touch with the insurance company where your spouse had the policy.
2. Collect Important Papers, gather documents like the death certificate and the policy itself.
3. Fill Out Forms. Complete the forms the insurance company gives you. They'll want some details about the policy and your spouse's passing.
4. Send Everything In, mail or submit the forms and documents. Keep copies for your records.
5. Wait for a Decision. The insurance company will review your claim. It can take a little time.
6. Get the Money, once they approve your claim, you'll receive the money. This can help with expenses during this tough time.

If you have questions or need help, don't hesitate to call the insurance company. They're there to assist you through this process.

I'm sorry for your loss. Dealing with the process of collecting life insurance proceeds can be overwhelming, but I'm here to assist you. To initiate the claim process for your deceased spouse's life insurance policy at Prudential, please follow these steps:

1. Gather the necessary documents: You will need to gather some important documents. These typically include the original policy document, the insured person's death certificate, your identification, and any additional forms that Prudential may require.

2. Contact Prudential: Reach out to Prudential's customer service directly to inform them about your spouse's passing and to start the claim process. You can find their contact information on their website or on any correspondence you may have received from them.

3. Submit the required documents: Once you've notified Prudential, they will provide you with a list of required documents and forms. Take your time to complete all the necessary paperwork accurately. Make sure to include any additional details or information they request.

4. Provide proof of beneficiary status: Along with the claim forms, you may be asked to provide documents establishing your identity, such as a copy of your marriage certificate or any legal documents related to your spouse's beneficiaries.

5. Submit the documentation: After completing all the necessary paperwork, submit it to Prudential through the designated channel, such as mail or online submission. Consider sending the documents via a tracked method to ensure their safe arrival.

6. Review and process: Prudential will review the documents and process your claim. This may involve a verification process and could take some time. They may contact you for further details or documentation if needed.

7. Receive the payout: Once Prudential has verified all the information and processed the claim, they will issue the payout to you, as the designated beneficiary or the executor of the estate. Remember, every policy and situation is unique, so it's essential to follow Prudential's specific instructions and deadlines during the claim process.

If you have any questions or concerns, it's best to reach out directly to Prudential's customer service, as they will be able to guide you through the process and address any specific inquiries you may have.

Please accept my condolences once again, and if you need any further assistance, feel free to ask.

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