If your loved one had a life insurance policy in place and you were one of the named beneficiaries, here’s how to submit your claim for assessment with as little hassle as possible, so that you can focus on the more important things.

What you will need:

In order to submit a claim with MiWayLife after a policyholder has passed away, you’ll need:

• A fully completed MiWayLife claim form found here
• A certified copy of the Death Certificate
• A fully completed DHA-1663 form
• Certified copies of the ID of the insured life or of all the beneficiaries
• Three months of bank statements for the beneficiary(ies)

How to submit claims

Most insurers will have an option for you to submit online or via email. Generally, this is easier for all parties as you will have to get the documents handed in somehow, and this way there is no need to physically post anything or go and hand in documents in person. There is also a convenient record of all communication, making it much quicker and easier to handle claims.

If you are unsure about how to claim, the best option is to look on your insurer’s website for instructions on how to submit a claim. If you are still not sure, you can give the call centre a ring and they will direct you to the right place.

For MiWayLife customers, you can email your claim to claims@miwaylife.co.za and one of our dedicated claims team members will ensure that the process is assessed and completed as smoothly as possible.

Avoid unclaimed benefits

Many beneficiaries are either unaware of the fact that their loved one was the holder of a life insurance policy, or are so overwhelmed at the idea of having to go through the claiming process that they simply never claim the money they are owed. Of course, this is a waste of money – both the money that you are owed but haven’t claimed for, and in the premiums that the policyholder paid before passing away.

To make sure this doesn’t happen, policyholders need to alert their beneficiaries that they have taken out a policy and make sure to keep important documents in a safe place that can be accessed by a trusted person should something happen.

Remember that the administration part of submitting a claim is generally not too confusing, so don’t let that put you off!