How to claim life insurance if the policyholder is missing?

Life insurance policies are designed to provide financial security for the loved ones of the insured person in the event of their untimely demise. However, claiming a life insurance policy can become a complex process if the policyholder goes missing. This article aims to provide you with a comprehensive guide on how to claim life insurance if the policyholder is missing in India. We will delve into the legalities, the necessary documentation, and the steps you need to follow to file a missing person insurance claim in such a scenario.

A person is considered missing in India if they are untraceable and their whereabouts are unknown for a continuous period of seven years or more. In such cases, the Indian courts may presume the person to be dead under Section 108 of the Indian Evidence Act, of 1872. This presumption comes into effect only after a thorough investigation has been conducted and all reasonable efforts have been made to locate the missing person.

Filing a claim for a missing person can be a daunting prospect. However, the following steps should make it easier for you:

Lodge a missing person's report

The first step to claiming life insurance for a missing policyholder is to file a missing person's report with the local police station. This report serves as the primary document to initiate the process of claiming life insurance. Ensure that you have all the necessary details of the missing person, including their name, age, photograph, and any other identifying information.

Obtain a legal presumption of death

In order to claim life insurance for a missing policyholder in India, you must obtain a legal presumption of death. This can be done by filing a petition in the competent court to declare the missing person as 'presumed dead'. The court will consider the petition only if the policyholder has been missing for at least seven years.

Gather necessary documentation

When claiming life insurance for a missing policyholder, it is crucial to have all the required documents in place. Some of the necessary documents include

• Missing person's report
• Copy of the life insurance policy
• Identity proof and address proof of the claimant
• Death certificate, if available
• Legal heir certificate, if required

Submit a claim to the insurance company

Once you have obtained a legal presumption of death and gathered all the necessary documents, you can submit a claim to the life insurance company. Make sure to fill out the claim form accurately and attach all the required documents. It is also recommended to keep a copy of the submitted documents for your records.

Follow up with the insurance company

After submitting the claim, it is important to follow up with the insurance company regularly. Keep track of the status of your claim and be prepared to provide additional information or documents if requested by the insurer.

Claim settlement

If the insurance company approves your claim, they will release the policy proceeds to the nominee or legal heir. The claim settlement process may vary depending on the insurer but typically involves disbursing the policy amount either as a lump sum or in instalments, as per the terms of the policy.

• Be patient and persistent: The process of claiming life insurance for a missing policyholder can be a long and arduous one. It is crucial to be patient and persistent, as the legal process can take time.


• Seek legal help: Given the complexities involved in claiming life insurance for a missing policyholder, it is advisable to seek the help of a legal expert. An experienced lawyer can guide you through the legal process and ensure that your claim is filed correctly.


• Keep your documents organised: Organizing and maintaining all the required documents is essential for a smooth claim process. Keep all the original documents and their copies in a safe and easily accessible place. This will help you avoid delays and complications during the claim process.


• Be prepared for a possible claim rejection: Insurance companies may reject your claim if they find inconsistencies in the documentation or if they have reasonable grounds to believe that the policyholder's disappearance was staged. Be prepared for this possibility and work with your legal advisor to address any concerns raised by the insurer.


• Maintain open communication with the insurance company: Establishing and maintaining open communication with the insurance company is crucial. Keep them informed of any new developments or updates in the case, and promptly respond to any queries or requests for additional information.


• Understand the policy terms and conditions: Familiarise yourself with the terms and conditions of the life insurance policy. This will help you understand the coverage, exclusions, and other relevant aspects of the policy, which can be useful when making a claim.

Claiming life insurance for a missing policyholder in India can be a complex and time-consuming process, but with proper guidance and perseverance, it can be achieved. By following the steps outlined in this article and seeking legal assistance, you can ensure that you navigate the process effectively and secure the financial support your family needs in the absence of the policyholder. Always remember to maintain open communication with the insurance company, keep your documents organised, and be patient throughout the process.