Don't Navigate a Life Insurance Claim Alone

No. You pay $0 today. No credit card, no deposit, no payment information is required to start the intake process. Our 5% success fee is charged only after the insurance carrier confirms and pays out your benefit. If no payout is received, you owe nothing.

After the carrier pays your claim, we wait at least 48 hours, then charge 5% of the actual amount you received. For example, on a $100,000 payout, the fee would be $5,000. On a $50,000 payout, $2,500. You always receive your benefit first.

You pay nothing. If the insurance carrier denies your claim or no benefit is paid out, there is no success fee. We absorb the cost of our work.

Before we submit your claim to the insurance carrier, we require secure bank verification. This serves as identity confirmation (ensures you are the person authorized to receive the claim payout), fraud protection (prevents unauthorized individuals from filing claims), and fee authorization (allows us to collect our 5% success fee only after you’ve received your payout). This verification is powered by Stripe, the same payment infrastructure used by Amazon, Google, and thousands of financial institutions. We never access your bank login, balance, or transaction history. We only store a secure, encrypted payment method ID. Nothing is charged until after your claim pays out and at least 48 hours have passed. You can revoke authorization at any time before payout by contacting support.

Absolutely. You always have the right to file directly with the insurance carrier at no cost. Here’s what that involves: identifying the correct carrier and policy (especially if the policyholder didn’t leave records), obtaining and completing the carrier’s specific claim forms, gathering required documentation (certified death certificate, proof of identity, beneficiary verification), submitting everything in the correct format to the correct department, following up when the carrier requests additional information or delays, and navigating contestability periods, beneficiary disputes, or lapsed policy issues. Many families handle this successfully on their own. We exist for families who want expert guidance through the process — and our 5% success fee means we’re financially motivated to get your claim paid. If you start with us and decide to file on your own, you’re free to do so at any point before we submit to the carrier.

Most life insurance claims don’t require legal representation — they require administrative expertise and persistent follow-up. Attorneys typically charge 25–40% contingency (on a $200k claim, that’s $50,000–$80,000). Our fee is 5% (on a $200k claim, that’s $10,000). When you should hire an attorney instead: your claim was denied and you believe it was wrongful, the carrier is acting in bad faith, there’s a beneficiary dispute or contested will, the claim involves ERISA complications (employer group policies), or estate litigation is involved. We’ll tell you directly if your situation needs legal help. We don’t compete with attorneys — we handle the 90%+ of claims that are administrative, not legal.

Once we’ve located or verified your policy, we’ll notify you that we’re ready to proceed. At that point, we’ll ask you to complete identity verification through secure bank authentication (if you haven’t already). This is required before we can share specific policy details with you or submit the claim to the carrier on your behalf. This protects both parties: it confirms your identity as the rightful claimant, and it ensures our service agreement is fully in place before we file. You’re free to withdraw at any point before submission — but we cannot release verified policy information or proceed with filing until verification is complete.

Claim processing varies by carrier and complexity. Straightforward claims with all documents typically pay out within 30–60 days of submission. Most state laws require carriers to respond within 30–60 days after receiving proof of loss. Complex cases involving contestability, beneficiary disputes, or missing documents may take longer. We provide regular status updates throughout.

At minimum, a certified death certificate. Having the policy document is helpful but not required — we can work with the carrier to locate policy details. We guide you through exactly what is needed based on your specific carrier and situation. Common documents include: certified death certificate, policy document (if available), claimant statement (we help prepare this), and government-issued ID.

You can still start the process. We can help locate the policy through our Policy Finder service, which searches the NAIC database, contacts carriers directly, and checks employer and state records. Start the intake with whatever information you have.

We coordinate all parties. Each beneficiary may need to submit their own claim form. We manage the communication, track each person’s status, and ensure everyone has what they need to file correctly.

No. We cannot guarantee outcomes. The insurance carrier makes the final determination on all claims. What we do is ensure your claim is filed correctly, completely, and on time — giving you the strongest possible submission. Our 5% success fee structure means we are financially motivated to help your claim succeed.

We assist with claims on term life, whole life, universal life, and group life insurance policies. We work with all major carriers in the United States.

Yes. We use 256-bit encryption for all data in transit and at rest. Our infrastructure is HIPAA compliant and SOC 2 certified. Bank linking is handled by Stripe. We never store your bank login credentials.

You can pause or cancel at any time. Since there’s no upfront payment, there’s nothing to refund. Before policy verification, you can walk away with no obligation and we’ll delete your data upon request. After policy verification but before filing, you can withdraw, but verified policy details are part of our work product and cannot be released without a completed service agreement. After filing, we’ll provide all documentation we’ve submitted so you can continue independently if you choose.