The death of the loved one,  is one of those times, when the right claim help from the start of the claim, can make a world of difference.

Our expertise in managing life insurance claims means that we make it easy for you.  We deal with the trustee and life insurer on your behalf, so you can be together with your family at a time of need. 

The benefit of having a claim expert speak to the trustee and insurers, ensures that the available life insurance and super money can be released as soon as possible.  This is often important to families who have just paid for the funeral service or have the costs of the funeral upcoming.

The families we help, have expressed how they value us chasing up the trustee and insurer on their behalf - (they don't have time to be on the phone, on hold to the trustee / insurer).  We also help complete the trustee and insurers paperwork, giving families one less thing to worry about.  We remove the stress of managing your loved ones super and insurance benefit payments - which you may be entitled to.

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Most superannuation fund (AustralianSuper, Cbus, Hostplus etc) have automatic life insurance which may be available (to the family) upon the death of a loved one. 

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AFRM Claims Advocacy (ACA) can help you access your loved one's life insurance claim (superannuation death benefit) and manage  the process each step of the way, until the insurance and super money is released to the beneficiary.  ACA can check if your loved one had life insurance in their superannuation fund - it is a free availability check.

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How do I know if my loved one had life insurance?

Most people who have superannuation have automatic life insurance through their superannuation fund.

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When they pass away, their life insurance (and / or superannuation death benefit) can be distributed to their beneficiaries.

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Beneficiaries can include immediate family, a partner, financial dependents, and those nominated on the deceased’s policy.

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A quicker and more affordable way to access life insurance

ACA can help check whether your loved one had life insurance in their superannuation fund - it is a free availability check.

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A life insurance claim with a valid nomination to a super dependant is separate to the “estate” and therefore does not need a solicitor to manage. Instead, using AFRM Claims Advocacy, can often make it quicker for the funds to be received and often more affordable than solicitor percentage fees or hourly rates.

 

Helping families is what we do - as featured on Sky News 

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Facts about life insurance & superannuation death benefits:

• Your loved one was most likely paying premiums for life insurance via their superannuation fund.

• You don't need the finalised death certificate or report from the Coroner to commence the life insurance claim process.

• As life insurance may not form part of the "estate", often you do not need a lawyer / solicitor to access life insurance claims.

• Managing the life insurance is separate to managing  "the estate."  Using a claim advocate can be quicker and more affordable than using a solicitor (industry average time to have a life insurance claim paid is approx 1 month).

• If you have a solicitor managing the estate / probate, we can work along side them to manage the life insurance claim. Given our flat fee for service structure - it may also be cheaper for you to do so.

• A life insurance claim and the superannuation balance (super death benefit) may be available to claim.