To file a term life insurance death claim, the nominee needs to follow specific steps and provide essential documents. After the policyholder’s passing, the nominee should fill out the Death Claim Form and submit it along with attested proof of identification and address to the insurance company.

The necessary documents typically include the death certificate, original policy documents, ID proof of the beneficiary, age proof of the policyholder, medical certificate confirming the cause of death, and additional documents depending on the circumstances of death, such as a police FIR for unnatural deaths or a post-mortem report.

 It is crucial to ensure that all information provided matches the submitted documents to avoid claim rejection. Insurance companies are required to settle death claims within 30 days of receiving all necessary documents, with a provision for additional investigation if needed within 60-90 days. It is advisable to be transparent in the claim process to facilitate a hassle-free settlement and secure the financial future of the beneficiaries3.