Frequently Asked Questions

What if I need to file a different type of claim?
Reach out to a Client Service Representative at (800) 387-7876 between 9 a.m. and 6 p.m. ET.

What if there is more than one beneficiary?
Every beneficiary must submit a life insurance claim form. Only one certified death certificate is required.

What is considered Government issued identification?

  • Driver's license, birth certificate or passport. If identification is not available, please call a Client Service Representative at (800) 387-7876 (English) between 9 a.m. and 6 p.m. ET.

What is a certified death certificate?
It is official evidence of a person's death that is signed by the Funeral Director or issued by the Province where the death is registered.

What is the difference between a contestable and incontestable claim?
If the life insurance policy was issued or reinstated less than two years from the date of the policy holder's passing, the coverage is considered contestable and will require a routine investigation to determine if the information provided on the original application or reinstatement application is accurate.

If the life insurance policy is over two years old (from the original issue date or the reinstatement date), the policy is considered incontestable, except in the case of fraudulent misrepresentation.

Where can I get a life insurance claim form?
You can download a PDF version of our claim form here.

Who can file a life insurance claim?
Beneficiaries or those legally empowered to act on behalf of the beneficiary.

What if I need the funds to pay for expenses related to making final arrangements?
After submitting the claim form for processing, a portion of the benefit can be assigned to a funeral home to pay for expenses related to making final arrangements, with the beneficiary's consent. It is customary for the funeral home to provide the paperwork and to help with the process. Please ask the funeral home to submit a request via fax to (905)813-5312.

How long does it take to process a life insurance claim?
Our claims department will work hand in hand with the beneficiary to process the claim as quickly as possible. In most cases, it takes approximately 14 days to process a death claim once all the required documents have been received. Keep in mind, contestable claims may require addtional documents to begin processing.

How is the benefit paid?
The benefit can be paid by:

  • A cheque in one lump sum
  • * A full or partial deposit into a Primerica/PFSL investment account (you will need the assistance of a Primerica Representative)

What if an insured passes away outside of Canada?
In addition to the requirements above, a Foreign Death Questionnaire will need to be completed and submitted.

The Claims Department will inform you if additional information is needed.

What if a beneficiary lives outside of Canada?
A beneficiary living outside of Canada must complete and submit a copy of our life insurance death claims form (link to form), a certified death certificate, as well as a copy of their Government issued identification.


  • Funds can be wire transferred. Contact our Claims Department for details.
  • The investment option is not available to beneficiaries who live outside of Canada.
  • All benefits are paid in Canadian dollars.

Will my life insurance claim documents be returned to me?
All documents sent to us, including the certified death certificate, become part of the claim file, and cannot be returned to you.

How do I file a life insurance claim for a beneficiary that is a minor?
A person who is empowered to act on behalf of the minor beneficiary must sign the life insurance claim form and provide supporting documents such as a Power of Attorney or a Certified Letter of Guardianship of the beneficiary's estate. The minor child's Social Insurance number must be shown on the beneficiary information page of the claim form.