Service representatives are available from 8 a.m. to 5 p.m. ET, Monday-Friday at 800-833-5569 to assist you in completing the Life Insurance Claims Packet or the Deferred Annuity Claims Packet. You may leave a message after 5 p.m. ET and expect a return call by 
10 a.m. ET the following business day.

The following items should be submitted with the completed Life Insurance Claims Packet or the Deferred Annuity Claims Packet:

• A certified death certificate
• The completed claim form
• Original policy/contract, if available

After receiving a claim, OneAmerica Financial will mail an acknowledgment letter to the beneficiary. The beneficiary will be advised in writing and by phone if additional claim requirements are needed. Our goal is to process your claim as quickly as possible after all required documents are received. This typically occurs within 5 business days.

Service representatives are available from 8 a.m. to 5 p.m. ET, Monday – Friday at 800-833-5569 to help you check a claim status for an Individual Life or Annuity claim. You may leave a message after 5 p.m. ET and expect a return call by 10 a.m. ET the following business day.

Yes, we’ll correspond with the beneficiary to obtain the final certified death certificate, which lists the cause and manner of death, when it becomes available.

Beneficiaries should contact the funeral director or state public vital records/statistics office to obtain a corrected certified death certificate. A claim cannot be processed with an incorrect certified death certificate (example: incorrect Social Security Number, date of birth, etc.).

Benefit Plus Accounts are offered as a service if the benefit amount is $50,000 or greater and you don’t reside in one of the following states: AK, CA, CT, FL, IL, KS, KY, LA, MD, MN, NC, ND, NH, NJ, NY or RI. Please read the Benefit Plus Account Fact Sheet for more information.

Yes, we accept funeral home and cemetery assignments. The assignment should include the following information:

• The insured’s name
• Policy or contract number
• Assigned amount
• Beneficiary’s signature
• Notary seal, signature and date

Please note: OneAmerica Financial is prohibited from releasing information to a funeral home prior to the receipt and review of the claim, death certificate and assignment. This includes coverage amounts and the names of beneficiaries.

A copy of certified death certificate for any deceased beneficiary will be required.

The policy and/or state law defines how insurance proceeds can be paid when no beneficiary is named, or all beneficiaries are deceased.

• When no beneficiary is named, the benefit is typically paid to the owner or the owner’s estate.
• Depending on the amount of the benefit and the size of the owner’s estate, some states allow benefits to be paid using a small estate affidavit. Your legal counsel can assist you with this information.
• If state laws don’t allow the use of a small estate affidavit or if the benefit exceeds the state’s allowable amount for small estate affidavit, an estate must be probated. After the estate is probated, the following must be submitted:
  • A copy of the certified letter of testamentary appointing the executor/administrator of the estate.
  • The Estate’s Taxpayer Identification Number (TIN/EIN). Under IRS regulations, we’re not permitted to use the deceased’s Social Security number. A TIN/EIN may be obtained from the IRS at IRS.gov.

The trustee should submit the following:

• A copy of the complete original or restated trust document, with names of trustee, successor trustee, signatures and amendments.
• Trust Tax Identification Number (EIN). A TIN/EIN may be obtained from the IRS at IRS.Gov.
• For Testamentary Trusts, we require:
  • A copy of the probated will.
  • Letters of Testamentary appointing the trustee or executor.

State Law defines how insurance proceeds can be paid when the beneficiary is a minor.

• If the proceeds aren’t needed for the minor’s immediate support, we can deposit the benefit amount into a supplemental contract held at the current settlement interest rate declared by our company. Once the minor reaches the age of majority for the state they live in, we’ll pay the minor directly. A copy of the minor’s birth certificate and social security number are required.
• Depending on the amount of the benefit, some states allow the benefit to be paid under the Uniform Transfer to Minor’s Act. If the benefit can be paid under this act, we may be able to pay the benefit to a bank, credit union or trust company as “custodian for the Minor under the state’s Uniform Transfers to Minor Act.” Bank account information would be required for this type of payment.
• If a court has designated a Guardian or Conservator of the Minor’s Estate, court-stamped Letters of Guardianship for the Minor’s Estate is required. If a Guardian of the Minor’s Estate hasn’t been appointed, your legal counsel can assist you with this process.