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Call 877-242-2544 anytime, day or night, to report claims. You may also contact your independent agent to report a claim.
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No matter what type of situation you face, we’re here to help. We simplify the claims process, reviewing each claim and responding quickly and personally with honesty, integrity and compassion – letting you focus on what matters most.
Exceptional Claims Service at Every Step
Answering your call with local claims service
Report your claim
We promise to provide you with prompt and professional service to make the claims process as simple as possible for you. Report your life, annuity or disability claim to Life Claims, 888-212-6970, 7:45 a.m.-4:30 p.m. Eastern Time, Monday-Friday, or contact your agent with the following information:
- Policy number(s)
- Date of death or disability
- Current mailing and/or email address for the beneficiary/claimant
Connect with a claims representative
A life or disability claims representative will mail, email or fax a claim form to the claimant or beneficiary along with an explanation of the requirements needed for processing. We will provide you with status updates throughout the claims process.
For more information about our life and annuity claims, please refer to the Frequently Asked Questions.
Send required documents
Send the required documents by:
- Email: life-healthclaims@cinfin.com
- Fax: 513-870-2969
- Mailing address: The Cincinnati Life Insurance Company
Attn: Life Claims
P.O. Box 145496
Cincinnati, OH 45250-5496
Claim resolution
Claims are generally paid within three to five business days after receipt of all necessary documents and approval of the claim. You select your method of payment on the claim form.
Please call, 888-212-6970, or email life-healthclaims@cinfin.com with any questions.
Forms, by Beneficiary Residence:
Life Claim: California
Life Claim: IN, KY, MD, NC, NJ, NY, RI
Life Claim: All Other States
Annuity Claim: California
Annuity Claim: All Other States
Disability Claim: California
Disability Claim: All Other States
Frequently Asked Questions
What documents are required to file a claim?
- Life claim – Claimant’s Statement for Life Insurance Benefits
- Annuity claim – Annuity Death Claim Packet
- Certified death certificate
- Original policy (if lost, please note this on the claim form)
- Additional requirements may be necessary, depending on the claim
Do I need to submit the original death certificate, or can I send a copy?
An original death certificate is required when the face amount of the policy or policies equals $100,000 or more. A copy may be submitted if the total coverage is less than that amount. You may obtain a certified original death certificate from your state or local health department or the funeral home that performed services.
Can Cincinnati Life accept a certified death certificate with a pending cause of death to process a claim?
No, we must have a certified death certificate showing the final cause and manner of death to process a claim.
How are death benefits paid?
You select the method of payment you prefer when you complete the Claimant’s Statement. Contact your tax adviser with questions about which option would be best for you. Choices include:
- One of the settlement options listed in the policy
- A lump sum payment in the form of a check or Electronic Funds Transfer; EFT requires you to submit a voided check with your claim.
- A Benefit Access Account® where available
Can proceeds be paid directly to a funeral home or third party?
Yes, proceeds can be paid directly to a third party if the beneficiary executes an assignment of benefits form. This form, provided by the funeral home, cemetery or other party, must include the policy number and amount of assignment.
Will the death benefit be taxable?
Life insurance benefits are generally not taxable to the beneficiary; however, any interest paid may be taxed. Annuities may produce taxable gains. Please contact your tax adviser with questions.
What if a beneficiary is no longer living?
- When a primary beneficiary dies before the insured, benefits are paid to any remaining primary beneficiaries. If there are none, proceeds are paid to any named contingent beneficiaries. A copy of the primary beneficiary’s death certificate is required in cases involving contingent beneficiaries.
- If no beneficiary survives the insured, benefits are payable to the insured’s estate.
- If benefits are payable to an estate, a court-appointed representative must complete the Claimant’s Statement on behalf of the estate and provide a copy of the appointment papers to Cincinnati Life. If there is no estate, we suggest you contact an attorney or the county probate court to obtain information about estate administration.
What if the beneficiary is a minor?
We require a guardian of the minor’s estate to be named to accept the proceeds, which may delay claim payment. We suggest you contact an attorney when a minor is named as beneficiary.
If a trust is the beneficiary, do you need a copy of the trust?
No, we will provide a Trustee Certification that must be completed and signed by the trustee. If there are multiple trustees, each must sign a claim form and trustee certification.
If there are multiple beneficiaries, do all of them need to submit their claim forms before I can receive my payment?
No, payment for your portion of the death benefit will be issued once you submit all required documentation and your claim is approved.
What if the beneficiary’s name has changed since the last beneficiary designation?
If a name was changed due to marriage or divorce, a copy of the marriage certificate or divorce decree is required. If a name was changed due to personal preference, we require a court document indicating the name change from birth name to the requested name.
What additional requirements are needed for contestable claims that occur within two years after policy issue or reinstatement?
- Agent’s Certification – from the agent who completed the application
- Physician’s statement – completed by insured’s primary physician
- Authorization for Release of Information – included in Claimant’s Statement
- Employer Certification – if the policy was purchased through association with a current or former employer
- Medical records or other information requested by our Life Claims department as needed
How do I find out if the insured has other life insurance coverage with another company?
You can contact the insurance department of the state in which the insured resided, or you may try the NAIC Life Insurance Policy Locator System.
Who can I contact for more information or help?
- Call Life Claims, 888-212-6970
- Email life-healthclaims@cinfin.com
- Speak with the agent who wrote the policy
- Contact your tax adviser with questions about your tax situation
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