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File Name: 1108657 - Death Claim Requirements for Individual Life policies (2019 Update)_

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October 2019 Insurance

Death Claim Requirements

11” x 8.5”

0.125” x 0.125”

0.5” x 0.5”

GRACoL2006_Coated1v2.icc

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OMG V1

Claims Paid With Requirements (total for all individual policies is OVER $150,0002 (or less than $150,000 & requirements are needed i.e. policy in force less than 10 years etc.))

Claimant’s statement NN0760■■ One form can be completed for all Investments and Life policies if the beneficiary is the

same. Send the original to one area and a copy to the other OR a copy to each business unit.If there is more than one beneficiary, each must complete a separate form■■ If policy has been in force over 10 years (since issue or reinstatement), information on

treating doctors, hospitals, date health affected & smoking status is not required. However, cause and place of death are required. This does not apply to foreign deaths or if there is anything unusual about the claim.

Proof of death

Years in Force (from issue or reinstatement)

5 Years or LessMore than 5 Years Total Payable $2,000,000 or less More than 5 Years Total Payable More Than $2,000,000

Physician’s Statement (NN0065E)

Obtain one:■■ Funeral Director’s

Statement■■ Death Certificate issued by

the Registrar of Civil Status (Quebec)

Obtain one:■■ Physician’s Statement (NN0065E)■■ Full Coroner’s Report■■ Provincial Death Certificate■■ Death Certificate issued by the Registrar

of Civil Status (Quebec)

Policy contract Determine whether this death will result in the termination of the policy:If yes, request contract and forward to the Claims department when received. (Payment can be made without it if it cannot be found.) Do not complete a Lost Policy Form. If no, advise client to keep the policy.

Submit one proof of death per claim – not one per policy/beneficiary.

More than $2,000,000Two proofs of death, one being a Funeral Director’s Statement.

Minor BeneficiaryThe Claims department will advise you of special requirements if beneficiary is a minor – varies by province.

Joint policies payable on last death, first death has occurredThe Claims department will advise you of the requirements necessary to update our records.

Deaths outside Canada and USA For deaths outside Canada and the U.S., please contact the Claims department for special requirements. The original documentation is always required, however we may accept photocopies if the total claim is $50,000 or less and the policy has been inforce for 10 years or more.

Death Claim Requirements for Individual Life policies1

Claims Paid Without Requirements (total for all individual policies is $150,0002 or LESS & policies in force 10 years or more)

No claim documents are required if all the following conditions are met:■■ If there is a named beneficiary, the beneficiary must be alive■■ Death occurred within Canada or the United States■■ The policy(ies) has been in force 10 years or more since issue or reinstatement■■ Policy does not have an accidental death rider or, if it does, the death was not accidental

Note: If the policy is an RRSP or if the death was due to homicide or a motor vehicle accident, we may need additional informationThe Claims department reserves the right to request claim requirements on any claim where they feel it is necessary to do so.

If all of the conditions to the left are met, the Claims department will need the advisor to confirm the following information before payment can be made:■■ Beneficiary is alive■■ Cause of death■■ Beneficiary’s address (executor’s name and address for estate beneficiaries)■■ Funeral home name, city and telephone number (required so we can confirm the death with the funeral home)■■ For policies issued in Quebec only - confirmation of relationship of named beneficiary to deceased (e.g. spouse,

ex-spouse, child, etc.)

We accept copies of most documents, except for deaths outside Canada and the U.S. In all other cases, the Claims Department will advise if an original is required.

Notes: 1 Requirements differ for Living Benefits products (Lifecheque and LivingCare) 2 The dollar amounts refer to the total of ALL Life policies.

S:10”S:7.5”

T:11”T:8.5”

B:11.25”B:8.75”

1108657 - Death Claim Requirements for Individual Life policies (2019 Update)_NN0870 E_1019.indd 1 10/7/19 4:19 PMDeath_Claim_Requirements_for_Individual_Life_policies_(2019_Update)_NN0870_E_1019 1108657_CONVERTED_TO_GRACoL2006_Coated1v2_1-1.pdf

QC/QA TO

AM

ART

Q.C.

Client

#: 1108657

Links:Manulife_CMYK_Linear_EN.eps (48%; 734KB)

File Name: 1108657 - Death Claim Requirements for Individual Life policies (2019 Update)_

Inks:

Cyan

Magenta

Yellow

Black

Fonts:Frutiger LT Pro (45

Light, 67 Bold Con-

densed, 47 Light Con-

densed, 65 Bold)

Zapf Dingbats (Regular)

Fabrice Vo / Henry Eugenio

10-7-2019 11:59 AM10-7-2019 4:19 PM

Saved:Current:

Artist:

Station: Name: OMG-CATO-OSX-098

Client:

Campaign:

Title:

Trim:

Bleed:

Safety:

ICC:

Workflow:

Manulife

October 2019 Insurance

Death Claim Requirements

11” x 8.5”

0.125” x 0.125”

0.5” x 0.5”

GRACoL2006_Coated1v2.icc

Convert_to_Colour_profile

OMG V1

Claims Paid With Requirements (total for all individual policies is OVER $150,0002 (or less than $150,000 & requirements are needed i.e. policy in force less than 10 years etc.))

Estate beneficiary (all provinces other than Quebec)

Client died WITH a Will (Testate)■■ See the chart to the right for the requirements. ■■ Note: The guidelines in the chart do not apply to Holograph (handwritten) Wills.

A copy of the Will and Probate is always required for that type of Will.Client died WITHOUT a Will (Intestate)■■ Request Letters of Administration. If Letters of Administration won’t be applied for, contact the

Claims department.

Up to $150,000 $150,000 - $250,000 Over $250,000

Copy of the Will Copy of the Will and Probate. (If the Will is not being probated, we will consider waiving our requirement for probate.) A copy of the Will and an Affidavit completed by all executors should be submitted. Contact the Claims department for the Affidavit.

Copy of the Will and Probate

Estate beneficiary (Quebec only)

Client died WITH a Will (Testate)There are 3 different types of Wills in Quebec. The requirements for each type, as well as an explanation of the Will follows:1. Notarial Will

This is a Will made before a notary. ■■ See the chart below for requirements.

2. Will made in the presence of witnessesThis is a Will that was signed before two witnesses. ■■ Contact the Claims department for the requirements.

3. Holograph Will This is a handwritten Will.■■ Copy of the Will and Probate is necessary; we cannot waive Probate with a Holograph Will.

Up to $150,000 Over $150,000

Copy of the Notarial Will Copies of Will Searches done through La Chambre des notaires & Barreau du Quebec

Client died WITHOUT a Will (Intestate)Contact the Claims department for the requirements.

Manulife, the Block Design, the Four Cube Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

NN0870E 10/18

S:10”S:7.5”

T:11”T:8.5”

B:11.25”B:8.75”

1108657 - Death Claim Requirements for Individual Life policies (2019 Update)_NN0870 E_1019.indd 2 10/7/19 4:19 PMDeath_Claim_Requirements_for_Individual_Life_policies_(2019_Update)_NN0870_E_1019 1108657_CONVERTED_TO_GRACoL2006_Coated1v2_2-2.pdf