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Grieving

Grief resources and information

Managing your emotional needs while trying to cope with the logistics of a loved one’s death can be overwhelming. We’ve compiled this video series to help.
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Grief and mourning
In this short video on grief and mourning, Kathleen Rehl, Ph.D., CFP and author of Moving Forward on Your Own, shares her own experience with grief after the death of her husband and touches on what people may experience after a loved one dies.
Moving forward
After the loss of a loved one, moving beyond grief and loss may seem impossible. In this short video, Kathleen Rehl, Ph.D., provides insight on how to move forward after a loved one’s death, while keeping their memory alive.
Kathleen Rehl still photo from video moving forward
Kathleen Rehl still photo from video managing and organizing finances
Managing and organizing finances
In the middle of grieving a loved one’s loss, making decisions about their finances can be overwhelming.  Kathleen Rehl, Ph.D., CFP and author of Moving Forward on Your Own, walks through the first steps to take in order to set the financial affairs of a lost loved one in order.
Your financial loose ends
After losing a loved one, making sure your own estate is settled may be a priority. In this short video, Kathleen Rehl, Ph.D., CFP and author of Moving Forward on Your Own, provides recommendations for estate planning.
Kathleen Rehl still photo from video financial loose ends
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Ready to start a claim?

You can quickly and easily start the claims process online using the link below. If you need assistance, please call us at 1-800-424-1592. Our claims team is available Monday through Thursday, 7 a.m.–6:30 p.m. and Friday, 7 a.m.–5:30 p.m. CST.
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Additional resources

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Frequently asked questions
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What to do when a loved one dies
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Claims frequently asked questions

When you're ready to make a claim, you may have questions. Here are answers to a few of the questions we hear most often.

Visit our claims FAQ page to see a complete list of frequently asked questions and answers.
How does the claims process work? What steps do I need to take?
  1. Notify us of the death of the insured/annuitant by starting a claim online or by contacting us directly at 1-800-424-1592.
  2. We will then verify the beneficiaries.
  3. We'll reach out to beneficiaries and ask them to complete a claim packet and provide any necessary documents, such as a certified copy of the death certificate and some beneficiary identification documents.
  4. Once all documents and forms are returned, we'll review the claim.
  5. After review, we'll either process the claim or contact the beneficiary for any additional information needed.
Should I file my claim online or by phone?

Online is the quickest and easiest way to file a claim. If you have a death certificate to upload, this will expedite the process.

Is there a different claims process depending on the company the policy is with?

The answer is no — it's the same claims process whether the policy is with Athene, Equitable Financial Life Insurance Company, MONY Life Insurance Company, Protective Life and Annuity Insurance Company, Protective Life Insurance Company, The Lincoln National Life Insurance Company, West Coast Life, or Zurich.


You'll visit claims.protective.com, follow the same steps and provide required documents:

  • Complete the enclosed claim form in its entirety by each beneficiary.
  • A certified copy of the death certificate.
  • Return the original policy or contract if available. If these documents are not easily accessible, in SECTION D of the claim form select "The original policy(ies), or a copy, cannot be found."
  • Complete, sign, and return the enclosed IRS Form W-9 (Request for Taxpayer Identification Number and Certification).
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Neither Protective nor its representatives offer legal, investment, or tax advice. We encourage you to consult your financial advisor and legal or tax advisor regarding your individual situations before making investment, social security, retirement planning, and tax-related decisions.