Make a beneficiary claim
We understand this can be a difficult time and we’re here to support you through the process.
What to expect when filing a claim
You start where you’re comfortable
Download the appropriate claim form or call us for assistance.
You complete the forms & return to us
Be sure to follow the claim form instructions, and remember to include a copy of the death certificate.
We pay your claim
When all requirements are complete, we’ll pay your claim. This typically takes 7-10 days.
Gather the information you need
To get started, collect the following information and choose the appropriate form below.
Get the claim forms you need
To start a claim, you may either download the forms and fill them in by hand or complete the form online and then print, sign, and mail them to American Equity.
Looking to update beneficiaries on an existing policy? Find the forms you need in our service forms library.
Deaths occurring before Dec. 31, 2019
200 KB
Instructions for completing form (Death before Dec. 31, 2019)
200 KBDeaths occurring after Jan. 1, 2020 - Non-qualified account (not IRA)
200 KBInstructions for completing Non-qualified claim form
200 KBDeaths occurring after Jan. 1, 2020 - Qualified account
200 KBInstructions for completing Qualified claim form
200 KBFrequently asked questions
Qualified funds refer to retirement accounts that meet specific IRS requirements and provide tax benefits. Common examples include 401(k) plans, 403(b) plans, and Individual Retirement Accounts (IRAs).
Non-qualified funds are investment accounts that do not meet IRS requirements for tax advantages. These can include regular brokerage accounts, savings accounts, and certain annuities.
If you’re not sure on which type of account you are the beneficiary, start by report the death on the form provided on this page, or call us.
Call us at 877-542-8847 with as much information as you have about the deceased and the policy.
American Equity is required to adhere to state unclaimed property guidelines. Refer to applicable state guidelines for details on unclaimed property process and timing.
We recommend consulting a tax professional regarding any tax implications that may arise from receiving a death benefit payment. American Equity cannot provide tax advice.
If you are acting on behalf of the estate, please provide court-approved Letters of Testamentary or Letters of Administration that identify you as the representative of the estate to get the process started.
Prefer to work with a service representative?
Our team is ready to help. Please contact our office at 877-542-8847.