DEATH CLAIMS. Certified True Copy* of the Marriage Certificate Certified True Copy* of the Birth Certificate of the child. Claimant/Beneficiaries

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1 PART A : PROCEDURE FOR SUBMISSION OF A DEATH CLAIM In order for us to process the claim, we will require the following: 1) Death Claim Form a) Part I to be completed by the deceased s next-of-kin who is above the age of 21. b) Part II of the Death Claim Form filled in by the attending doctor (where an insured die less than 2 years from start of policy cover). Report fee to be borne by the Claimant. 2) Original or certified true copy* of the Insured s Death Certificate 3) Original or certified true copy* Proof of relationship (refer to Table A below) 4) Original or certified true copy* Claimant s NRIC or identification document of the Claimant 5) Copy of Will (if any) 6) Original Insurance Policy (if available). 7) Letter of Consent Form Table A (Documents required for proof of relationship): Claimant/Beneficiaries Spouse Children Parent Sibling Documents Required Certified True Copy* of the Marriage Certificate Certified True Copy* of the Birth Certificate of the child Certified True Copy* of the Birth Certificate of Deceased Certified True Copy* of the Birth Certificate of Deceased and Claimant/Beneficiaries * Original or Certified True Copy of death certification, proof of entitlement and NRIC/Identification document can be certified by our Customer Service Officer, Agency Executive, a lawyer or Notary Public. Financial Services Consultant (FSC)/Insurance Representative (IR) is able to certify true copy of these documents provided that the original document is issued in Singapore by the relevant authorities and FSC/IR is not related to the policy owner and/or claimant by blood or marriage. Additional documents required if death was due to an Accident OR if death occurred overseas: 1) Newspaper Clipping (if any) 2) Police Report and/or Coroner s Report 3) Post-Mortem Report and Toxicology Report or Application For A Copy of an Autopsy/Toxicology Report (from the Health Sciences Authority (HSA)). The Application For A Copy of an Autopsy/Toxicology Report is applicable only if the post mortem or toxicology test was done in Singapore. 4) Burial Cremation Documentation and Letter from ICA (Immigration and Checkpoint) confirming the invalidation of Deceased s Singapore IC/Passport if death occurred overseas 5) All documents that are not issued in Singapore must be authenticated by either i) the Singapore Embassy in the country of death, ii) Singapore Consulate or iii) Notary Public. (Please refer to Note below). V3 (Jul 2016) 1 Information correct as at Jul 31, 2016

2 Note: All questions in the Claimant s Statement must be fully and truthfully answered. We reserve the right to require or obtain further information, if deemed necessary. All documents submitted must be in English. Any document that is not in English must be accompanied by an English translated copy of the document made by a certified translator/interpreter. In addition, a certificate stating the proficiency of the translator in the language being translated must also be submitted. Submission of claim documents can be made: (a) Customer Service Centre at 1st floor (1 Finlayson Green Singapore) (b) Claims service counter at AIA Alexandra Service Centre (371 Alexandra Road Singapore) (c) Claims service counter at AIA Tampines Service Centre (3 Tampines Grande Singapore) Mondays to Fridays a.m. to 5.30 p.m. (excluding Public Holidays). Note: For speedy resolution, please submit all relevant documents at the same time. Any relevant document not submitted or translation/medical follow-up by the claims officer will extend the time required for the assessment of a claim. Please submit all relevant documents at the same time. Any relevant document not submitted or translated with follow-up by the claims office will extend the time required for the assessment of a claim. V3 (Jul 2016) 2 Information correct as at Jul 31, 2016

3 PART B : SUBMISSION 1. How long will it take to reply to the claimant on the status of a death claim? Once the documents submitted are adequate for assessment, it will generally take 14 days (longer if the case is complex) for a claims office to reply to the claimant on the status of the assessment. For straight-forward case where all the relevant documents are submitted at the same time, you may expect a fast settlement within 5 working days. The claims office will review the case once further required documents and/or information are provided. 2. Who can certify the doc required for filing of Death Claim? The Customer Service officer, Agency Executive or a Singapore lawyer can certify the document required for filing the Death Claim. For death certificate, documents on proof or relationship (e.g. marriage certificate, birth certificate) and documents on proof of identity (e.g. NRIC), Financial Services Consultant (FSC)/Insurance Representative (IR) is able to certify true copy of these documents provided that: The original document is issued in Singapore by the relevant authorities and FSC/IR is not related to the policy owner and/or claimant by blood or marriage. FSC/IR will need to verify the photocopy of the document to be submitted against the original document, sign and date. FSC/IR will also need to write his/her name, agency and mobile number on the photocopy. 3. What if the claimant does not have the death certificate but the insured has been missing for some time? The claimant will have to get legal advice to apply for a court order that presumes the insured s death. The court order is to be submitted as part of the claim document. 4. Where can the claimant extract a copy of death certificate/birth certificate? Applications for a certified extract from the Registry of Births & Deaths may be made in person or online. 5. What if the claimant does not have the original policy contract at the time of claim? The claimant can indicate loss of policy on the claimant statement during submission. 6. When is a Coroner s Inquest Report required? A coroner s Inquest Report is required for cases: Insured died of unnatural causes, or An accidental death benefit is payable in addition to the death claim under the policy, or Any other cases where we consider further documentary evidence of the circumstances leading to death is essential. V3 (Jul 2016) 3 Information correct as at Jul 31, 2016

4 PART C : PAYOUT AND CLAIMS SETTLEMENT 1. What is Estate Duty and are the death proceeds subjected to tax? Estate duty of a deceased person s estate is payable on the aggregate market value of all Singapore property (immovable and moveable property) and movable property outside Singapore as at the date of death. The Estate Duty has been removed for deaths on and after Feb 15, Hence, this is only applicable for policies where death occurred before Feb 15, Who are the personal representatives of the deceased? A person who takes care of the deceased s estate following his death is a personal representative. A personal representative appointed by the insured via a Will before his death is an executor. The executor will have to apply for the Grant of Probate via the courts in order to administer the distribution of the deceased s estate according to the deceased s directions in the Will. An administrator is the personal representative if an insured died without a Will. The administrator will have to apply for the Grant of Letters of Administration via the courts in order to administer the deceased s estate. 3. What is Grant of Probate or Grant of Letters of Administration? A Grant of Probate is a court order given to the executor appointed by the deceased in his Will. Where the insured died without a Will, the court will issue the Grant of Letters of Administration to the administrator. 4. How does the estate apply for the Grant of Probate or Grant of Letters of Administration? The Grant of Probate or Grant of Letters of Administration can be applied through a lawyer. The approval from the court may take any time from 1 to 6 months (longer if more complex). V3 (Jul 2016) 4 Information correct as at Jul 31, 2016

5 5. Can claimant get full or advance payment after making claim? Section 61 of the Insurance Act provides that the insurer may (i.e. at its sole discretion) to pay up to S$150, to a proper claimant without the production of the Grant of Probate or Grant of Letters of Administration any person falls within the proper claimant class (i.e. spouse, parent, child, sibling, nephew or niece). The remaining amount is payable only on production of the Grant of Probate or Grant of Letters of Administration. For payment to named executor(s) in Grant of Probate, we would require a copy of Will and certified true copy of NRIC/ID of the named executor(s). For payment to named administrator(s) in Grant of Letter of Administration, we would require a certified true copy of NRIC/ID of the named administrator(s). 6. What is beneficiary nomination under Section 73 Conveyancing and Law of Property Act ( CLPA ) (CAP.61) LIA has issued the industry s approach to Beneficiary Nominations a copy of the FAQ can be obtained from website. 7. How will the payout be made if the insured had make nomination of beneficiaries (NOB) under Insurance Act? Payout of the claim proceeds will be made in accordance with the NOB framework if the Deceased Insured make a nomination under the NOB framework from Sep 1, More information on nomination of beneficiaries (NOB) can be obtained from website. V3 (Jul 2016) 5 Information correct as at Jul 31, 2016