all life insurance companies the deceased had policies with. Request a
claim form or ask for help from the local agent. Send in the claim form,
the policy and a certified copy of the Death Certificate. If you would
like, we will file all insurance for you at no additional costs.
credit card companies to notify them of the death. Some credit card and
charge accounts include a life insurance policy with them. They may
want a certified copy of the Death Certificate. If the card is held
jointly, find out what documentation is required to change credit cards
into the survivor's name.
assess that need to be changed include real estate, car titles, stocks,
bonds, and other bank accounts. You may need to begin probate
proceedings to accomplish legal ownership of these assets.
any financial institution where the deceased had a loan to inform them
of the death. They will be able to inform you if the loan was covered by
credit life and what needs to be done to fine the appropriate claim.
Gather all of the bills and make sure you are aware of all the credit obligations of the deceased.
all sources of retirement funds, including IRA's that the deceased was
receiving and apply for any benefits that are due to you. A Death
Certificate is often required.
all of the utilities from the deceased's name. Many, if not all of
these accounts should be placed in a joint account with another family
member to help in processing future estates.
all health insurance companies to notify them of the death and stop
coverage on the deceased. Some health insurance companies have a death
benefit rider, be sure to check if this benefit exists.
extra copies of the Death Certificate to send with your income tax
returns if you still file. You may need to file a final return for the
deceased to estate income tax returns if the estate itself generates any
clerk of court will help with many of the duties listed above and also
advise if legal Council is necessary.
We stand ready to assist you. If a death has occurred, please call us on the number below: