Claims FAQs

1. First, we'll need to be informed of the death of the insured.  Please email us at claims@getgreenhouse.com to notify us of your loss. Be sure to provide the policy owner's full name and the policy number, if you have it.
2. We will then verify benefits and who the proper beneficiaries are.
3. Beneficiaries will complete a claim form (which we will send to you upon notice of loss) and provide required documents as needed.
4. Once all documents and forms are returned,  we'll review and keep you informed of progress.
5. After review, the claim will either be processed or we will contact you for additional information or documentation.

Proceeds will be paid as soon as all required documentation has been provided to us and we have completed a routine investigation.  We will complete the investigation as quickly as possible and keep the beneficiary informed of our progress.

Interest will be paid at such a rate as is required by the Contract or State Law, whichever is greater.

IRS Form 712 is used by the executor of a deceased person's estate to report the details and value of life insurance policies for estate tax purposes. The IRS requires this form when an estate (or gift) tax return is filed. Please email us at claims@getgreenhouse.com and state that there has been a death of one of the parties involved in the policy and you require a Form 712.

A Certified Death Certificate is a death certificate that is guaranteed to be a true copy of the original. You can obtain a Certified Death Certificate at a court or government agency (i.e. a town or city hall) or the State Department of Vital Statistics.  A funeral home may also provide a Certified Death Certificate. A Certified Death Certificate is required for any claim greater than $50,000.  For claims less than or equal to $50,000, a copy of the death certificate is usually sufficient; however, on occasion, a certified copy or other documents may be required.  The death certificate should contain the cause and manner of death.

Please email us at claims@getgreenhouse.com. You will be required to provide the official death certificate issued in the country where the death occurred, a completed Report of Death of a US Citizen Abroad obtained from the U.S. consular office, and a statement from the local doctor who certified the death.

Please contact your tax professional or federal/state/local tax offices regarding taxes on death benefits.

A claim is considered contestable if the insured dies within a 2-year period of the issue date of the policy. Generally, we complete a routine investigation to verify the information provided at underwriting. We try to complete the investigation as quickly as possible and keep the beneficiary informed of our progress.

Please email us at claims@getgreenhouse.com and we will send them to you.

Please email us at claims@getgreenhouse.com.

We do not accept assignments to another party.  Proceeds must be paid directly to the beneficiary(ies) identified by the policy at the time of loss.

In the event that the primary beneficiary is no longer living, then the benefit will be paid to the contingent beneficiary(ies). If no contingent beneficiary is named or living, then the benefit will be paid to the insured's estate.