Documents Required For Term Insurance

Documents play a crucial role while purchasing a term insurance policy and very crucial while policy application and claim settlement. In case the policy fails to provide the correct documents the insurance provider could deny the claim to the nominee/beneficiary.

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Documents Required for Term Insurance

Documents Required for Term Insurance Application

Following is the list of documents required while purchasing a term insurance policy:

1. Officially Valid Documents (Any of the below mentioned)

  • Voter ID Card
  • Passport
  • Aadhaar Card
  • Or any other photo identity proof.
  • PAN Card (In addition to officially valid documents)

2. In case Officially Valid Documents do not have updated address (Any of the below mentioned)

  • Electricity Bill, Telephone Bill, Gas Bill or Water Bill (not more than 2 months old)
  • Property Tax Receipt

3. Income/Salary Proof

  • Bank statement showing salary credit for 3 months
  • Income Tax Returns (not more than 2 years old)
  • Latest Form 16

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Documents Required for Term Insurance Claims

When filing for a term insurance death claim the nominee is required to submit the below-mentioned list of documents to receive the death benefit amount. Following is the list of documents required to be submitted by the nominee in case the life assured passes away during the policy term:

Documents Required for Term Insurance Death Claims (Death Due to Medical Conditions)

  • Original Policy Documents
  • Duly Filled Claim Form
  • Nominee’s Photo ID Proof (Adhaar Card, Voter ID Card, Passport etc.)
  • Nominee’s Bank Account Details (such as bank statement/ cancelled cheque)
  • Death Certificate issued by local authority
  • Attending Physician’s Statement
  • Treating Doctor’s Statement
  • Medical Records

Documents Required for Term Insurance Accidental Claims

  • All the documents required for life insurance death claims
  • Original or Copy of FIR
  • Original or Copy of Police Inquest Report

Why are Documents Required for a Term Insurance Plan?

The documents that you submit at the time of term insurance application help you establish your identity and other information about you. Following are the reasons why documents are required for a term insurance plan:

  • Gives a surety that you are a Indian resident
  • Updates your insurance provider about your medical history and current situation
  • Helps in hassle-free application and claim process
  • Helps is easy policy renewal
  • Helps is assuring a fast claim settlement ratio

In case you are the primary breadwinner of the family, and in case of an unforeseen event such as your sudden demise, your family who is dealing with an emotional turmoil would also have to face a financial setback in case you do not provide correct documentation. With a term insurance plan you can ensure when one of your family members visit the insurance company or file a claim, he/she does not deal with a claim settlement delay or any other hassles due to incomplete/incorrect information.

You must remember if you do not provide the necessary number of documents required at the time of term insurance application which may eventually result in delay for claim settlement. When you provide the right set of documents required, the insurance provider may not only speed up the claim settlement process but also help you receive the benefit amount hassle-free. That’s why it is very important to provide all necessary documents required for a term insurance application and claim whether you purchase it online or offline.

Why Must You Give Proper Attention to the Documents Required for Term Insurance Application or Claims?

Every information that you provide to your insurance provider is a very essential quick policy issuance and claim process. All documents which are required for a term insurance policy hold importance in their own way. Some documents are mandatory for a claim settlement while others are required as per the situation. Mentioned below are two reasons why you must give proper attention to the documents required for a term insurance application or claims:

  • All documents which are required for a term insurance plan eases the claim settlement process
  • The benefit amount can help your family in difficult circumstances only if provide all the necessary documents at the time of application for the term insurance policy

What Should You Do if the Documents Required for Term Insurance Plan Go Missing?

In such cases where you lose necessary documents which may be important while filing a claim for your term insurance policy, you must lodge an FIR as soon as you misplace the document. The second and most important step is to inform your insurance provider about the missing documents required for a term insurance claim to avoid any future hassles. Apply for the duplicate copy of documents required for term insurance claim in the relative department and update your insurance provider. These small but important steps will help your beneficiary while he/she files the claim.

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