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 10% service fee is charged only after the insurance carrier confirms and pays out your benefit. If no payout is received, you owe nothing.

Our filing fee is 10% of the amount the insurer actually pays to you. For example, on a $100,000 payout, the fee is $10,000. On a $50,000 payout, $5,000. Your signed assignment directs the fee from the payout if the carrier honors it. If the claim is not paid, there is no service fee.

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

During intake, you accept the fee terms and sign the consent authorization. After coverage is confirmed, you sign the required carrier claim forms and fee assignment before submission. The assignment directs our 10% filing fee from the payout if the carrier honors it. If the carrier does not honor the assignment, our operations team follows up with the carrier. There is no bank link, no card on file, and no upfront service fee. If the claim is not paid, there is no service fee. You can cancel the assignment within 3 business days of signing 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 10% service 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.

Claim Assist prepares forms, coordinates documents, and follows up with insurers. We do not provide legal advice or representation. Our filing fee is 10% of a payout. Attorney fees depend on the lawyer and your agreement. If your claim involves a legal dispute, litigation, or a denial you believe is wrongful, speak with a licensed attorney about your options.

Once coverage is confirmed, we guide you through the required carrier claim forms and fee assignment before submission. The assignment directs our fee from the payout if the carrier honors it. You can withdraw before we submit. The insurer decides whether the claim is paid.

Timing depends on the insurer, the policy, and the documents it needs. Missing documents, beneficiary questions, or a coverage review can add time. We follow up with the carrier and provide status updates. We cannot promise a decision or payout date.

For a new filing, you need the deceased's full Social Security number to complete the intake, and a certified death certificate before the claim can proceed. You can save your progress and finish later. The policy document and number are helpful but not required if you know the insurer. We guide you through any other documents your carrier needs, such as a claimant statement or government-issued ID.

If you know the insurance company, you can start a claim even without the policy number, and carriers locate the policy from the insured’s name, date of birth, and SSN. If you don’t know the insurer at all, start with Policy Locate, a MedaSynq product: a paid search that finds out whether there was a policy. It costs from $59. Paid once, before we start. Not refunded if nothing is found. If coverage is found, Claim Assist can help file the claim for a separate 20% service fee, owed only after payout.

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 10% service 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.

Enter sensitive details through the intake form rather than email or text. We never ask for a bank login and never store one. Our Privacy Policy explains how we handle your information.

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.