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File a Life Insurance Claim

Life Insurance Claim Process

We will strive to make the claim process as simple as possible.
All of the forms needed for your life insurance claim will be provided after you contact us to initiate the claim.

Initiate your claim online
To initiate your claim, please complete the Report a Death Claim online form.

Initiate your claim by telephone

To initiate your claim by telephone, please enter the policy number so we can direct you to the appropriate service center for your policy.

Please note: If you do not have a policy number, please use the online form linked above to initiate your claim.

The Policy information is not found

Toll-free Number

Call 1-844-452-3832

For Variable Universal Life policies only:

Call 1-800-340-2765

Toll-free Number

Call 800-633-6259

Toll-free Number

Call 1-800-888-2452

Life Insurance Customers

Phone: 800-888-2452

 

Forms and documents you may need to file your claim

All of the forms and requirements for your specific claim type and situation will be provided in the claims packet sent to you.

For a summary of forms and documents you will need to file your claim, please visit:

Forms and documents needed to process a claim

If the total benefit amount of the policy is $15,000 or less:

  • The claim may be eligible for expedited processing. A member of our claims team will contact the Beneficiary within 24 hours to authenticate the beneficiary identity and discuss information we will need to process the claim.
  • Payment by check is sent within 5 business days after we receive proof of death. Please allow 3 to 5 days for the check to arrive by mail.

If the total benefit amount of the policy is greater than $15,000:

  • A claims packet is sent to all beneficiaries within 5 business days of the initial notification. The packet will include all of the forms and information you will need to file your claim. The claims packet is sent by mail or email, depending on your preferred method of communication.
  • Send all completed forms to:

For most claims, we will review and process the claim within 5 business days once all requirements are received in good order. Please note that some claims require an investigation so may take longer to review. See Claims requiring an investigation for additional information.

Payment is made according to instructions provided by the beneficiary. Please allow 3 to 5 days’ mailing time for check payments.

If anything is missing or incomplete that may delay processing, we will notify you within 5 business days and follow up as needed regarding outstanding issues which must be resolved for the claim to be paid.

To protect your privacy, we only communicate with the beneficiary (or beneficiaries), the beneficiary’s attorney, the servicing agent, or the funeral home (only for claims where benefits are assigned to the funeral home).

Need more information?

All forms and requirements for your specific claim type and situation will be provided in the claims packet sent to you.

If you would like to learn more about the claims process or requirements for specific situations, click one of the links below.

Customer Service

When you and your family need us, AIG is here for you.

Contact us

Other resources

AIG Life & Retirement consists of four operating segments: Individual Retirement, Group Retirement, Life Insurance and Institutional Markets. It includes the following major U.S. life insurance companies: American General Life Insurance Company; The Variable Annuity Life Insurance Company; and The United States Life Insurance Company in the City of New York.

Life insurance and annuities issued by American General Life Insurance Company (AGL), Houston, TX except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Certain annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX.  Issuing companies AGL, US Life and VALIC are responsible for financial obligations of insurance products. AGL does not solicit, issue or deliver policies or contracts in the state of New York. VALIC, AGL and USL, its employees, representatives do not provide tax or legal advice. Products and services may not be available in all states and product features may vary by state.

Securities products are distributed by AIG Capital Services, Inc. (ACS). Member FINRA, 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997.

AIG Retirement Services represents The Variable Annuity Life Insurance Company (VALIC), Houston, TX and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC Retirement Services Company (VRSCO). Securities and investment advisory services offered through VALIC Financial Advisors, Inc. (VFA), member FINRA, SIPC and an SEC-registered investment adviser,  2919 Allen Pkwy,  Houston, TX 77019-2158.

All companies are members of American International Group, Inc. (AIG).

This material is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. Please consult with your financial professional regarding your situation. For legal, accounting or tax advice consult the appropriate professional.