My mother was the nominee on my father’s life policy. I discovered after both of them died in the past one year. Can I approach the insurer for policy proceeds?
Renu Mehta, Pune
If you have the policy details, the insurer who issued it and the policy document, you can get in touch with the insurer and seek the policy proceeds as the sole heir. As these are death claims, you will need to furnish all the necessary details and data such as death certificate, and proof of nominee relationship with the insured. If the original policy bond is not available, you will have to file for duplicate policy issuance. The process would include filing an FIR, if the document is suspected to be stolen. Some insurers will also accept an indemnity bond or declaration from you to issue a duplicate policy.
