Clarity and Guidance During Beneficiary Claims

Helping beneficiaries understand what to do, who to contact, and what to expect after a loss.

What Is a Beneficiary Card?

The Beneficiary Card is a simple reference tool provided at the time a life insurance policy is issued. Its purpose is to reduce confusion for beneficiaries by offering clear, step-by-step guidance on what to do when a loved one passes away.


The card directs beneficiaries to a calm, informational page and provides access to general guidance when questions arise. It does not replace the insurance carrier, the issuing agent, or the carrier’s official claims process.

Why Beneficiary Claims Are Often Confusing

Most beneficiaries are unfamiliar with the insurance claims process and encounter it for the first time during an emotionally difficult moment.

Common challenges include:

  • uncertainty about who to contact
  • lack of clarity around required documentation
  • confusion between agents, carriers, and claims departments
  • unnecessary delays caused by missing or incorrect information

The Beneficiary Card exists to provide clarity at the right moment without adding complexity to existing claims workflows.

How the Process Works

The Beneficiary Card is designed to support — not disrupt — the existing claims process.

At a high level:

  1. A beneficiary locates the Beneficiary Card after a loss
  2. The card directs them to a clear, informational page outlining next steps
  3. If questions arise, general guidance is available to help beneficiaries understand the process
  4. The insurance carrier processes the claim directly according to policy terms

This approach helps beneficiaries feel informed and prepared before contacting the carrier.

Scope and Role Clarity

The Beneficiary Card is intentionally limited in scope to protect beneficiaries, agents, and carriers.

It provides general guidance to help beneficiaries understand:

  • what information may be required
  • how the claims process typically works
  • where to direct questions

It does not process, approve, or pay insurance claims, and it does not provide policy values, payment details, or banking information. All claims are administered directly by the issuing insurance carrier in accordance with policy terms.

Support and Guidance

For beneficiaries who need additional clarity, general guidance is available during standard business hours to help explain next steps and prepare for conversations with the insurance carrier.


This guidance is informational only and does not replace or interfere with the carrier’s claims administration process.