Every Carrier has different Criteria. It is best to reach out to your APlus Advisor to submit the claim and see what is required.
Information Required to Submit Claim
■ Date of death
■ Cause of death
■ Beneficiary’s address (executor’s name and address for estate beneficiaries)
■ Funeral home name, city and telephone number (required so we can confirm the death with the funeral home)
Claims Paid Without Requirements (total for all individual policies is $150,0002 or LESS & policies in force 10 years or more)
No claim documents are required if all the following conditions are met:
■ If there is a named beneficiary, the beneficiary must be alive
■ Death occurred within Canada or the United States
■ The policy(ies) has been in force 10 years or more since issue or reinstatement
■ Policy does not have an accidental death rider or, if it does, the death was not accidental
Note: If the policy is an RRSP or if the death was due to homicide or a motor vehicle accident, we may need additional information
Proof of death Years in Force (from issue or reinstatement) 5 Years or Less
■ Physician’s Statement - Please call APlus to have one sent to you by email / Fax
More than 5 Years Total Payable $500,000 or less
■ Obtain one: Funeral Director’s Statement or Death Certificate issued by the Registrar
More than 5 Years Total Payable More Than $500,000
■ Physician’s Statement
■ Provincial Death Certificate
* Submit one proof of death per claim – not one per policy/beneficiary.
$1 million or more
■ Claimant's Statement (NN0065E)
■ Two proofs of death, one being a Funeral Director’s Statement.
Deaths outside Canada and USA – Call your APlus Advisor and they will contact the insurance company for special requirements. The original documentation is always required, however we may accept photocopies if the total claim is $50,000 or less and the policy has been inforce for 10 years or more.
Minor Beneficiary The Claims department will advise you of special requirements if beneficiary is a minor – varies by province.
For more information or clarification please Contact APlus