LIFE INSURANCE DEATH CLAIM LETTER
Intimation of death and claim under a life insurance policy
Date: 2 April 2026, at Chandigarh
To: The Manager, Claims, Life Insurance Corporation of India, Sector 17, Chandigarh
From: Aarav Singh, Sector 35, Chandigarh. Telephone: +91 XXXXX XXXXX. Email: aarav@example.com.
Subject: Death of Harpreet Singh, policy no. 123456789 — intimation and claim
Sir or Madam,
- 1. The policy. Harpreet Singh held policy no. 123456789 with you. The policy was in force on the date of death. Other policies of the same person with you: Policy 987654321, a money-back plan.
- 2. The death. Harpreet Singh died on 1 April 2026 at Chandigarh. The death certificate is DTH/2026/118, and a copy is enclosed. The circumstances of the death: Died at home after a heart attack; treated earlier at Fortis Hospital, Mohali. The person was last treated by Fortis Hospital, Mohali.
- 3. My claim. My relationship to the person who died: Spouse. I claim as the nominee recorded in the policy. I claim the money payable under the policy on the death of the life assured.
- 4. The legal heirs. Apart from me, the other legal heirs of Harpreet Singh are: Naina Singh and Meera Singh, Chandigarh.
- 5. What I ask you to do.
(a) Register this letter as the intimation of the death and of my claim, and give me the claim reference number.
(b) Send me your claim forms, and tell me in writing every paper you need from me, including any you need because of the way the death happened.
(c) Tell me the time within which you will decide the claim and the rule on which you rely.
(d) Tell me what is payable under the policy and how it is worked out, including any bonus, and any deduction you make.
(e) Pay the amount due to the account described in paragraph 6.
(f) If you reject the claim or any part of it, give me the reasons in writing and tell me the remedy open to me.
- 6. Where to pay. Please pay the amount to the account held by Aarav Singh with State Bank of India, Sector 35, Chandigarh, account ending 4821. I will give the full account number on your own form and not in this letter.
- 7. What I accept. I understand that a nominee is paid so that you are safely discharged, and that this does not by itself decide who owns the money as against the other legal heirs. If you pay me and it is later found that someone else had a better right, I will account to that person for what I received.
- 8. If the claim is not settled. If you reject the claim or do not reply within the time allowed, I will take the matter to your grievance redressal officer and then to the Insurance Ombudsman, and I am free to bring a consumer complaint before the District Consumer Disputes Redressal Commission.
Please acknowledge this letter and tell me the name and telephone number of the officer who will handle the claim.