FAQ Frequently Asked Questions

Q: Which claim form do I have to submit?
Q: How soon will I receive my proceeds?
Q: What interest rate will I receive on the proceeds?
Q: Am I subject to Backup Tax Withholding?
Q: What do I do if the insured has died outside of the US?
Q: Do I have to pay taxes on this death benefit?
Q: What are Letters Testamentary/Administration?
Q: What do I do if the estate is not being probated?
Q: What is a contestable claim?
Q: Do you require the original Statement of Claim Form and Death Certificate or can they be faxed?
Q: Where can I mail the Statement of Claim Form and Death Certificate?
Q: Do signatures need to be notarized on the Statement of Claim Form?
   
   
   
Q: Which claim form do I have to submit?
A: It is determined by the Issue State, Beneficiary Residence State and Insured's Residence State at Death. You can click on the Claim Form Selector to find the correct form to submit. For each of these state field options, you must select the appropriate state from the drop down menu. If you are unsure of the state please select 'Other'.
   
 
   
Q: How soon will I receive my proceeds?
A: Generally funds are disbursed within six to ten days.
   
 
   
Q: What interest rate will I receive on the proceeds?
A: Interest will be paid from the date of death to the date we pay the death benefit proceeds at such a rate as is required by the Contract or State Law, whichever is greater
     
 
   
Q: Am I subject to Backup Tax Withholding?
A: If you have been notified by the IRS that you owe back taxes for non declaration of interest or dividends, you may be subject to backup tax withholding. Please consult your tax advisor for further details.
   
 
   
Q: What do I do if the insured has died outside of the US?
A: Call us at 1-800 387-2747 (USA) or 1-888-267-7784 (NY) and ask to speak to a Claims Analyst.
You will be required to send the official death certificate issued in the country where the death occurred, a completed Death of a US Citizen Abroad Questionnaire and Proof of Death, and a Physician's Statement Form completed by the local doctor who certified the death.
   
 
   
Q: Do I have to pay taxes on this death benefit?
A: Taxes are payable only on the interest paid with the death benefit proceeds unless the policy was a Qualified Plan. Please consult your tax advisor for further details.
   
 
   
Q: What are Letters Testamentary/Administration?
A: Letters Testamentary/Administration is a document appointing the administrator or personal representative of a decedent’s estate. They are usually issued by a Probate Court.
   
 
   
Q: What do I do if the estate is not being probated?
A: Call us at 1-800 387-2747 (USA) or 1-888-267-7781 (NY) and ask to speak to a Claims Analyst.  We will advise you to complete an affidavit or guide you to have the estate probated.
   
 
   
Q: What is a contestable claim?
A: 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.
   
 
   
Q: Do you require the original Statement of Claim Form and Death Certificate or can they be faxed?
A: The Statement of Claim Form and Death Certificate must be original documents.
   
 
   
Q: Where can I mail the Statement of Claim Form and Death Certificate?
A: The address is located on the top of page 1 of the Statement of Claim Form.
   
 
   
Q: Do signatures need to be notarized on the Statement of Claim Form?
A: Signatures do not need to be notarized, but they must be witnessed by a disinterested third party.
   
 
   
 

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.