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Making a Claim

Knowledgeable claims and service advisors are available to help you.

How to Make a Claim

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.

Follow these steps:

Having the policy number handy when you call will help us give you faster service. If you can’t find it, don’t worry—we can still assist you.

You will need to make your claim within a certain period of time—this varies by coverage type and is outlined in your policy.

We will guide you through the claims process and the documentation you need. What you need to make a claim depends on the type of coverage you have.

In general, you will need to provide:

  • A completed claim form (if you don't have the form, we will send you one)
  • The death and birth certificate
  • In some cases, a physician's statement form, completed by the deceased’s physician

If you are making a claim on a life insurance policy worth up to $25,000, you may be able to use our Express Claims service. There is no paperwork required to make your claim if the policy:

  • Amount is $25,000 or less
  • Has been in force for five or more years
  • Has a named beneficiary (policies with an estate listed as beneficiary are not eligible)

To process your claim, you will just need to call us and provide:

  • The date of death for the person who has passed away
  • Contact information for the funeral home

Filing a claim

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible.

Call us to make a life insurance claim:

Term, Permanent and Universal Life Insurance
Mon-Fri: 8:00am-5:00pm, ET
Guaranteed Acceptance Life Insurance
Mon-Fri: 8:00am-5:00pm, ET
Personal Accident Insurance
Mon-Fri: 8:00am-8:00pm, ET

Check a claim's status or get help with a claim

Call us to check a claim's status or get help with a form.

Term, Permanent and Universal Life Insurance
Mon-Fri: 8:00am-5:00pm, ET
Guaranteed Acceptance Life Insurance
Mon-Fri: 8:00am-5:00pm, ET
Personal Accident Insurance
Mon-Fri: 8:00am-8:00pm, ET
Having the policy number handy when you call will help us give you faster service. If you can't find it, don't worry—we can still assist you.

Customer Service and Support

Manage your life insurance policy

Questions about your policy?

Call us if you have a question about your existing insurance policy

Term, Permanent and Universal Life Insurance

Call 1-800-461-1413

Mon-Fri: 8am-8pm, ET

Quebec: Mon-Fri: 8:30am-6pm, ET

Guaranteed Acceptance Life Insurance

Call 1-877-879-0042

Mon-Fri: 8am-8pm, ET

Quebec: Mon-Fri: 8:30am-6pm, ET

Personal Accident Insurance

Call 1-800-845-9750

Mon-Fri: 8am-8pm, ET

Need to update your policy?

Use the forms below to make a change to your policy. All instructions are included with the form. For questions or to request a form not included below, please contact your advisor or call us.

If you have lost or misplaced your insurance policy and/or require a duplicate policy, please complete this form and forward it to our office with the applicable fee.

Download Form

If you are making a payment to our office by money order, bank draft or wire transfer, please complete and include this form with your payment. This form may also be required for payments of $100,000 or more.

Download Form

Use this form to designate or change your beneficiary. Please ensure that all required signatures are obtained prior to submitting the form; for example, any existing irrevocable beneficiary must sign this form.

Download Form

Complete this form and provide supporting documentation to record any name changes that apply to a policy owner, insured person or beneficiary.

Download Form

If you would like to pay your premium by pre-authorized monthly debit, please complete this form and return it to our office.

Download Form

If you would like to pay your premium by credit card, please complete this form and return it to our office.

Download Form

Complete this form if the insured person's death occurred while he or she was outside Canada.

Download Form

Use this form to change beneficiary designation for Personal Accident Protection Certificates Policy #AC 4138PH and AC 4140PH.

Download Form

Use this form to change the name of the certificate holder, spouse or beneficiary on Personal Accident Protection certificates.

Download Form

Claims and Service FAQs

Find answers to your questions about life insurance claims and making changes to your policy.

You must request a policy cancellation in writing. When your policy is mailed to you, you have a certain number of days to review it—30 days for RBC Simplified Term Life Insurance and 10 days for YourTerm Life Insurance ($500,000 and over). If you want to cancel, we’ll refund all premiums paid. After the 10 or 30 days, you can cancel your insurance and you’ll only have to pay for the time you were covered.

You can change your beneficiary by completing a Change of Beneficiary form. If your beneficiary is designated as "irrevocable" then the beneficiary must also agree to the change.

Yes. You can apply to reduce or increase your coverage at any time. Your premiums will also be updated based on the new amount of insurance. Coverage increases will require medical evidence and are subject to approval. Please contact your advisor or call us at 1-877-519-9501.

Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-877-519-9501.

Please call us at 1-877-519-9501 to update your policy. You can also access and download some change forms online.

You must request a policy cancellation in writing.

If you purchased Term 100 life insurance, you have 10 days to review the policy after it is mailed to you; if you cancel during that time, we will refund the premiums you have paid. Any time after that, you can cancel your insurance and you only pay the premium for the time you were covered.

The RBC® Guaranteed Acceptance Life Insurance plan gives you 30 days to review your policy, during which time you may cancel the coverage and receive a full refund of all premiums paid. Any time after that, you can cancel your insurance and you only pay the premium for the time you were covered.

You can change your beneficiary by completing a Change of Beneficiary form. If your beneficiary is designated as "irrevocable" then the beneficiary must also agree to the change.

For Term 100, you can apply to reduce or increase your coverage at any time. The minimum amount of coverage you may request is $10,000, and the maximum amount is subject to our underwriting rules. A reduction in your coverage is subject to $50,000, the minimum coverage amount. Your premiums will also be updated based on the new amount of insurance. Increases in coverage for Term 100 will require new medical evidence and are subject to approval.

For RBC® Guaranteed Acceptance Life Insurance, you cannot increase your coverage. However, you may request that we reduce your coverage at any time, provided all premiums are paid to the effective date of the reduction.

Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-877-519-9501.

For Term 100 Life Insurance, please call us at 1-877-519-9501 to update your policy.

RBC® Guaranteed Acceptance Life Insurance, please call us at 1-877-519-9501 to update your policy.

You can also access and download some change forms online.

You must request a policy cancellation in writing. You will receive the policy’s accumulation value, minus any outstanding insurance costs and applicable surrender charges if you cancel your policy during the early years of your coverage. Surrender charges are specified in your policy. A market value adjustment may also apply if you withdraw money from a guaranteed interest option. The proceeds of your cancelled policy may also be subject to taxation.

You can change your beneficiary by completing a Change of Beneficiary form. If your beneficiary is designated as "irrevocable" then the beneficiary must also agree to the change.

Yes. You can request to reduce or increase your coverage at any time by contacting us at 1-800-461-1413. If you want to increase your coverage, new evidence of insurability and approval will be required. Your premiums will also be updated based on the new amount of insurance.

Yes. In fact, we recommend that you review your financial goals at least once a year. Your advisor can help you review your policy and consider whether to make any changes. You can change your future premium allocation or transfer money between interest options up to four times per policy year without incurring additional fees. Please note that a market value adjustment may apply if you are withdrawing money from a guaranteed interest option.

Our goal is to make the claims process as stress-free as possible.

Please call us at 1-877-519-9501 to update your policy. You can also access and download some change forms online.

You can cancel your policy at any time by calling us at 1-800-845-9750.

To change your beneficiary, call us at 1-800-845-9750 or by completing a Change of Beneficiary form.

Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-800-845-9750

Please call us at 1-800-845-9750 to update your policy. You can also access and download some change forms online.