How Do I File a Final Expense Insurance Claim?

Step 1: Locate the Policy

Find the original insurance policy document. It will contain the carrier's name, policy number, and claims contact information. If you cannot find the policy, contact the carrier's customer service with the insured's name and Social Security number — they can look up the policy.

Step 2: Obtain the Death Certificate

You will need a certified copy of the death certificate. Most funeral homes provide several certified copies as part of their services. You will typically need 1–2 copies for the insurance claim. Additional copies can be ordered from your county or state vital records office.

Step 3: Contact the Insurance Carrier

Call the carrier's claims department and notify them of the death. They will send you a claim form. Common carriers and their claims lines: Mutual of Omaha: 1-800-775-6000, Foresters Financial: 1-800-828-1540, American Amicable: 1-800-736-7311.

Step 4: Submit the Claim Form and Death Certificate

Complete the claim form and submit it along with the certified death certificate. Most carriers accept submissions by mail, fax, or online portal. Keep copies of everything you submit.

Step 5: Receive Payment

Most final expense insurance carriers pay claims within 7–14 business days of receiving complete documentation. Payment is made directly to the named beneficiary by check or direct deposit. If there is no named beneficiary, the benefit is paid to the insured's estate, which may require probate.