The life insurance policy pays out when an insured event occurs and a claim is filed and approved. The standard policy covers the death of the insured. Customers who purchased the disability add-on at sign-up are additionally covered for permanent total disability due to an accident and loss of body parts due to an accident. The beneficiary or their legal guardian must file the claim promptly and provide the required documentation. Our support team assists claimants throughout the process.
When does the term life insurance policy pay out?
The policy pays out when one of the following insured events occurs and a claim is duly filed and approved:
Standard coverage (all policyholders)
Death of the insured person
Accidental death of the insured person
With disability add-on only
Permanent total disability due to an accident
Loss of parts of the body due to an accident
Who is responsible for filing a claim on the policy?
The policyholder or the beneficiary named on the policy or their legal guardian is responsible for filing the claim.
How can the beneficiary file a claim?
Our support team at Feather will guide the beneficiary through the claim filing process. Contacting our support team initiates assistance for completing the required steps.
What documents are required to file a claim for the death benefit?
The following documents must be submitted promptly:
The official death certificate of the insured person, stating age and place of birth, provided as the original or a certified copy.
A detailed official or medical certificate specifying the cause of death.
If the insured person died from an illness, the medical certificate must also include:
The start date of the illness that caused death.
The progression details of the illness leading to death.
What documents are required to file a claim for disability or loss of body parts?
For customers who purchased the disability add-on, claims related to permanent total disability or loss of body parts due to an accident require documentation confirming the accident and its medical consequences. Our support team will guide you through the specific documents needed based on your circumstances.
Are additional documents or costs involved?
Additional information may be requested depending on the circumstances. Any extra costs arising from providing this information will be covered by us.
What happens after the claim documents are reviewed?
Once the submitted documents have been reviewed and eligibility for benefits is confirmed, we will issue the death benefit as specified in the policy.