Claims FAQs

A beneficiary is the person(s) entitled to your policy’s benefit. You can designate up to five beneficiaries to receive a proportion of the benefit amount.

A North Cover Life Insurance claim form will be required to be completed and additional documentation provided. Please visit our claims page for more information.

It’s possible (and legal) to have multiple life insurance policies in Canada. You can submit a claim for any policy that lists you as the beneficiary or insured.

Life insurance claims are usually paid out, but in some cases, they can be denied (check the Policy Document for more information). At North Cover, we aim to pay out claims as quickly as possible, plus keep you in the loop if something is holding up the process and we need more information.

You can make a claim from the date of the life insured’s death or terminal illness diagnosis (with life expectancy of 12 months or less¹). There will be some documentation required, so please visit our claims page for more information.

Generally, claims are processed within 2-5 days of receipt of the completed claim form and supporting documents. If the documentation is inconclusive, it may take longer. If this happens, we’ll ask you for extra information to allow us to process the claim.

You can designate up to five beneficiaries to receive payment following your death. To do so you can complete a Designation of Beneficiaries Form found on our website.

If no designation has been made, the proceeds will be paid to your Estate.

Our claims process is simple but does require a little paperwork.

You’ll need to complete the required claim form and provide:

• proof of the insured’s death or terminal illness diagnosis
• the insured’s identity, including their date of birth
• the attending physician statement
• the beneficiary / claimant’s identity and right to claim

We may also require further information, depending on the circumstances. Read more about our claims process.

Unclaimed life insurance money will remain with the insurer until the beneficiary makes a claim. In Canada, the OmbudService for Life & Health Insurance can help you search for a deceased person’s life insurance policy.

You can email us at northcoverclaims@teacherslife.com or call us at 1-888-441-45581-888-441-4558 between 8am and 5pm (ET), Monday to Friday.