Money will be available immediately as proceeds are received outside of the deceased estate if a beneficiary has been nominated. If pay-out cannot be made to the beneficiary, the proceeds will be paid to your estate. We must receive a completed claim form, obtainable from our offices, within 6 months of the death of the life insured. The person who claims must, at their own cost, prove the claim, show that no exclusions apply, and give us all information and documents we need to consider the claim.

This must include the following:

1. The claim form - completed and signed
2. Certified copy of the valid ID document of the person who claims
3. Certified copy of the original death certificate of the life insured, with "deceased" or a similar notice stamped on it
4. Copy of the notification/registration-of-death form (DHA1663)
5. Copy of a valid bank statement of the person who claims, not older than 3 months, showing the account-holder and the account number
6. Police report if the death is due to unnatural causes - for example, a motor-vehicle accident
7. Other documents that we may reasonably require.