Life and AD&D claims

Years of experience and a collaborative culture allow us to process claims with a high-touch, personalized approach. In addition to compassionate, timely service, we offer:

Streamlined claims submission process

• Fast track payment without death certificate for qualifying claims up to $100,000
• Photograph of the death certificate accepted
• Complete claim form online for faster payment

Multiple benefit distribution options

Flexible choices

• Through a  physical check or direct deposit into a beneficiary’s personal checking or savings account

• Through a Legacy Account — a fee-free interest-earning account designed to provide a beneficiary with time and flexibility to make informed decisions about their insurance payment
  • Earns two percent interest guaranteed
  • Easy access to funds when the beneficiary is ready to take action

Express assignment service

• Securian Financial works directly with the funeral home or lending agency for final expense reimbursement, removing the burden from the beneficiary
• Same-day claim review and phone call back to validate funeral home assignment
• Other forms of rush payment are also an option (e.g., direct deposit or overnight check)

Cash advance solution

• Securian Financial works directly with the beneficiary to provide prompt financial assistance during a difficult time
• Cash advance options on a death benefit up to $25,000

Supplemental health claims ​

Our digital claims process provides a streamlined experience for employees. Ensuring they use their benefits is a top priority. ​

Simplified claims process​

Employees can easily file claims digitally and maximize their benefit payout with a streamlined process requiring less documentation.

• Our proactive approach ensures employees get all the benefits they’re eligible for; we look across product lines — and file claims for all applicable policies
• Automatically paying out all applicable benefits according to the initial documentation, helps ensure all claims are paid as quickly as possible​

Claims integration ​

Medical claims integration, powered by Reclaim, allows employers and employees to opt into a solution that alerts Securian Financial when a medical claim is submitted.⁴

• Data found in the medical claim is used to automatically identify and process other claim‐eligible supplemental health coverages

Employees experience greater benefit utilization with less touch time.

Automated health and wellness benefit ​

This benefit makes it even easier for employees and their families to maximize their plan utilization. Most health and wellness claims are paid within 24 hours of receipt of the insured’s name and date of birth. ​

Proactive labor and delivery hospital claims​

Securian Financial offers the industry-leading benefit of proactively paying the hospital indemnity claim for routine labor and delivery once the birthing parent reaches 36 weeks gestation. Both the initial and daily benefits will be paid for a three-day stay. Longer stays are eligible for additional benefits. ​

Simplified evidence of insurability (EOI)

The EOI process should be crystal clear. That’s why Securian Financial offers a fully managed EOI service that provides employees a simple, secure, and convenient process, including electronic signature.

Contact-free medical underwriting

Through expanded digital medical data, 99% of applicants don’t require an in-person medical underwriting exam.⁵