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File a Life Insurance Claim

We will strive to make the claim process as simple as possible. All of the forms needed for your claim will be provided after you contact us to initiate the claim.

To initiate your claim, please complete the?Report a Death Claim?online form.

If the total benefit amount of the policy is $15,000 or less:

  • The claim may be eligible for expedited processing. A member of our claims team will contact the Beneficiary within 24 hours to authenticate the beneficiary identity and discuss information we will need to process the claim.
  • Payment by check is sent within 5 business days after we receive proof of death. Please allow 3 to 5 days for the check to arrive by mail.

If the total benefit amount of the policy is greater than $15,000:

  • A claims packet is sent to all beneficiaries within 5 business days of the initial notification. The packet will include all of the forms and information you will need to file your claim. The claims packet is sent by mail or email, depending on your preferred method of communication.
  • Send all completed forms to:

AIG Life Claims
P.O. Box 305301
Nashville, TN 37230-5301



For most claims, we will review and process the claim within 5 business days once all requirements are received in good order. Please note that some claims require an investigation so may take longer to review. See Claims requiring an investigation?for additional information.

Payment is made according to instructions provided by the beneficiary. Please allow 3 to 5 days’ mailing time for check payments.

If anything is missing or incomplete that may delay processing, we will notify you within 5 business days and follow up?as needed regarding outstanding issues which must be resolved for the claim to be paid.

To protect your privacy, we only communicate with the beneficiary (or beneficiaries), the beneficiary’s attorney, the servicing agent, or the funeral home (only for claims where benefits are assigned to the funeral home).

Need more information?

All forms and requirements for your specific claim type and situation will be provided in the claims packet sent to you.

If you would like to learn more about the claims process or requirements for specific situations, click one of the links below.

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