Claims FAQ

If you are not certain if your relative had life insurance, there are a few things you can do to try and find out if she/he had a life insurance policy:

• Contact other family members (i.e., brothers, sisters, or children) who may have known if your loved one had life insurance.
• As part of the probate process that you will most likely undertake after your loved one's death, you can check to see if a life insurance policy was listed as an asset.
• Go through canceled checks or contact your deceased relative's bank for copies of old checks. You want to see if there is a record of a premium payment that you can trace back to SBLI.
• Contact any past employers to see if your relative had group life insurance.
• You can also check with MIB Group, Inc. The MIB maintains a database that may indicate that your loved one applied for life insurance within the past seven years.

Upon the death of the Insured, the beneficiary, or individual assisting the beneficiary, should notify SBLI that the Insured has passed away. Please contact the SBLI toll free Call Center at 1-800-694-7254. A customer service representative will be available to assist you with the claim process. SBLI representatives are available each business day, Monday – Friday, from 8:00 A.M. - 9:00 P.M. (ET).

The caller should provide us with some general information, including the following:

• The Insured's date of death.
• The address to which we should mail the required claim form(s).
• Any information that can be provided relative to the beneficiary(ies), (i.e., who they are and whether or not they are still living). The names of all beneficiaries will have to be verified by us.

After reviewing the policy records, we will mail the required claim form(s) and instructions for filing a claim to the beneficiary(ies) at the address(es) you provide.

Our mailing address is:
SBLI
P. O. Box 4048
Woburn, MA 01888-4048

Once SBLI receives a completed death claim and a death certificate proving the death of the Insured, the beneficiary usually receives a death benefit within one week.

The policy is contestable for a two year period for suicide, fraud, misrepresentation and lack of good health.

To protect consumers, there are a number of highly respected independent organizations that monitor insurance companies and provide insurance company ratings. Among these are A.M. Best and Weiss Ratings, Inc. Each ratings firm uses its own evaluation process, but all typically analyze the insurance company’s financial strength, recent performance, and stability of management.

The ratings are detailed and explained so you have a clear picture of the company’s ability to honor claims.

SBLI has consistently been rated A+ (Superior) by A.M. Best and B+ (Good Financial Strength) by Weiss Ratings, Inc.

SBLI is one of the nation’s strongest and highly rated insurance companies, protecting families for more than 100 years. Click here for more information about our ratings.