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Personal Insurance > Life Insurance > Claims & Customer Service

Claims & Customer Service

Resources to help you manage your life insurance policy or make a claim

Whether you need help filing a claim, or making a change to your policy such as naming a new beneficiary, you’ll find what you need here.

You are on: Important Phone Numbers

How to Contact Us

File a Life Insurance Claim

Term, permanent and universal life insurance:

Monday to Friday, 8am to 5pm, EST

Personal accident insurance:

Monday to Friday, 8:30am to 5pm, EST

For details, see how to make a claim.


Make a General Inquiry

(Existing policyholders)

Please contact your advisor, or call:

Term, permanent and universal life insurance:

Monday to Friday, 8:30am to 6pm, EST

Personal accident insurance:

Monday to Friday, 8:30am to 5pm, EST


You are on: How to Make a Claim

Filing a Life Insurance Claim

We understand that when something unfortunate happens, dealing with the aftermath can be stressful. That’s why we try to support you and make things as easy as possible.

What to do when a loved one passes away

Dealing with such an emotional situation is difficult. You can count on us to make the claims process as easy as possible for you.

What you need to do in order to make a claim will depend on the type of policy and the insurance amount that was purchased. If you have a policy with a face amount up to $25,000, please inquire about our express claim option.

When you call us to make a claim (1-877-519-9501 for term, permanent or universal life insurance and 1-800-845-9750 for personal accident insurance), we will guide you through the process and identify the documentation you need. In general:

  • You will need to complete a claim form. If you don't have the form, we will send you one upon request.
  • You will need to obtain a death certificate and the birth certificate of the person who has passed away.
  • You may need to ask the physician to complete a physician's statement form.
  • You will need to submit your claim within a certain period of time. This timeframe varies by type of insurance, and will be outlined in the life insurance policy.

If you have the insurance policy or policy number handy when you call, it will make it easier to provide assistance. But if you don't have it, we will still be able to assist you.

You are on: Download Forms

Downloadable Forms

The forms below can be used to make a change to your policy. All instructions are included with the form.

To request a claim form or another form not included below, please contact your advisor or call 1-877-519-9501 for term, permanent and universal life insurance or 1-800-845-9750 for personal accident insurance.

Note: Forms are provided in Adobe PDF format. A recent version of Adobe Reader or Adobe Acrobat may be required to open, read and print a form on your system. You can install the latest version of Adobe Reader (opens new window).

Expand Declaration of Loss of Policy

Expand Source of Funds Declaration

Expand Change of Beneficiary

Expand Change of Name

Expand Pre-Authorized Debit Agreement

Expand Credit Card Authorization

Expand Death Abroad Form

Expand Personal Accident Insurance - Change of Beneficiary

Expand Personal Accident Insurance - Change of Name

You are on: News & Announcements

Updates from RBC Insurance®

Check below for news and announcements regarding changes that may impact our clients or their life insurance policies:

Expand June 2009: Paperless Express Claims for Claims up to $25,000


Call Us Today

To inquire about an existing life policy:

Term, permanent and universal life insurance:

  • 1-800-461-1413

Personal accident insurance:

  • 1-800-845-9750

To apply for a new life policy, talk to a licensed RBC Insurance® advisor:

  • Call 1-866-223-7113

Insurance Store & Advisor Locator