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If you are a nominee on an Indian term-life policy, start by locating the policy records, checking the nomination and assignment history, and notifying the servicing insurer in writing. Ask for the insurer’s current document checklist, submit consistent evidence, and keep proof of every exchange. Registration as nominee does not by itself settle questions about entitlement or payment.
1. Find the policy and the servicing insurer
Locate the policy number, policy schedule, insurer’s contact details, premium or renewal correspondence, and any notices issued after the policy began. The policy document is evidence of the insurance contract. Keep it, and all later endorsements, until the claim has been settled. If the policy was bought through an agent, bank or online channel, identify the insurer’s current servicing branch or claims channel rather than relying only on the intermediary.
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2. Check the schedule, nominee and assignment records
Read the policy schedule and confirm the nominee’s name, relationship and contact details exactly as recorded. Look for endorsements showing a later nomination, cancellation, assignment or reassignment. Under LIC’s consumer guidance, a life assured may change or cancel a nomination, and an assignment can affect nomination. If the records differ from the family’s understanding, ask the insurer what evidence it requires before assuming who is entitled to receive the proceeds.
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For anyone asking how to file a term insurance claim after death, written intimation is the first practical step. Send the policy number, policyholder’s full name, date and cause of death, and the claimant’s name and contact details to the servicing insurer or branch. LIC tells nominees or assignees to “immediately intimate in writing” the servicing branch. Use a channel that produces an acknowledgment, save the claim reference number, and retain a copy of the notice and attachments.
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4. Obtain the death certificate and the insurer’s forms
Obtain the death certificate from the appropriate issuing authority. LIC’s process asks for the original death certificate with the initial written intimation, after which it provides the necessary claim forms and instructions. Other insurers may use different submission channels and may accept certified copies instead of originals. Ask for the current checklist and confirm exactly which documents must be originals, notarised copies or digitally uploaded files.
5. Prepare the core claim paperwork
Common industry guidance identifies these items as a starting set, not a universal rule:
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- claimant’s statement or claim form;
- the original policy document, where the insurer requests it;
- death certificate; and
- an advance discharge form or equivalent payment-discharge document.
Make a complete scan or photocopy of everything before submission. Record the date, delivery method and receipt for each item.
6. Add evidence that matches the circumstances
The cause and circumstances of death can change the evidence required. The Life Insurance Council notes examples such as:
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- Accidental death: police first information report (FIR), post-mortem report and related investigation records may be requested.
- Death after illness: treating-doctor certificates, hospital records and medical reports may be relevant.
Additional documents can depend on the sum at risk, the policy’s duration and the insurer’s assessment. Treat these as examples, not a fixed checklist; obtain the insurer’s policy-specific requirements before sending sensitive originals.
7. Keep every answer complete and consistent
Check that names, dates, addresses, policy numbers and descriptions of the death match across the claim form, death certificate and supporting records. If the insurer asks for more information, reply through a traceable channel and preserve both the request and your response. A missing or contradictory detail can lead to further queries. Older IRDAI claim-procedure text says queries should, where possible, be raised together rather than piecemeal; that is legacy wording, so follow the insurer’s current process while keeping your own record of outstanding items.
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8. Be cautious about statements on how long a claim takes
The question how long does a term insurance claim take has no single current number established by the materials available here. Older IRDAI procedure text refers to processing within 30 days after receipt of relevant papers and clarifications, with a separate investigation provision. Life Insurance Council guidance also contains older 30-day and 90-day language. IRDAI’s 2024 policyholder-protection master-circular listing confirms the circular’s title and date but does not, in the accessible listing, show the operative claim-deadline clause.
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Do not treat those legacy figures as a guaranteed current settlement deadline, an insurer performance statistic or an automatic entitlement rule. Ask the insurer to confirm the applicable timeline for your claim and keep the written response. The legacy IRDAI text does state that a life insurer “shall process the claim without delay”; that wording should be understood as legacy procedure text, not as a quotation from the 2024 master circular.
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9. Escalate delay or dispute with a paper trail
Keep the intimation acknowledgment, document receipts, every insurer query, your replies and any reasoned decision. If progress stops or the decision is disputed, use this sequence:
- Contact the insurer’s grievance or customer-complaints cell and state the policy number, claim reference, dates and unresolved issue.
- Attach the evidence of submission and request a written response.
- If the insurer’s response does not resolve the matter, check the current Insurance Ombudsman process, eligibility and filing requirements before approaching the Ombudsman.
IRDAI’s insurer guidance identifies the insurer’s grievance route as the initial step, followed by possible Ombudsman escalation. Eligibility and procedures can change, so verify the current official requirements at the time you file.
What documents does a nominee need?
Start with the claimant statement, policy document if requested, death certificate and discharge form, then add records suited to the cause of death. Because requirements vary by insurer, policy duration, sum at risk and circumstances, the insurer’s current checklist controls. Send only what is requested, but be ready to provide certified or original records when the checklist specifies them.
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An original policy is listed in industry guidance as a common requirement, and LIC advises preserving the policy document. Whether the insurer must receive the original, a certified copy or a digital record depends on its current procedure and the policy file. Ask before mailing an irreplaceable document and retain a scan and dispatch proof.
Quick Recap
A practical claim-file checklist
- Policy number, schedule and latest endorsements
- Nominee and assignment details checked against the insurer’s records
- Written intimation and acknowledgment
- Death certificate and insurer-issued forms
- Cause-specific police, post-mortem, medical or hospital records, when requested
- Copies of every submission, query, reply and decision
- Dates and contact details for the servicing branch and grievance cell
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