Steps

    1. Show empathy – “I’m sorry to hear about your loss. I would like to extend my condolences to you and your family.”
    2. Read shortened version of the policy summary
    3. Cancel all policies
    4. Ask caller – “Did you want to file a claim?”
    5. Suppress future mailings

Policy Summaries

  • AD&D – “I want to verify that your (relationship to deceased) had the Accidental Death and Dismemberment Insurance which insured (primary insured’s name) (and family) for loss of life, limb, sight, speech, or hearing due to a covered injury.”
  • HAP – “I want to verify that (primary insured’s name) had the Hospital Accident Protection insurance which provided (primary insured’s name) (and family) cash benefits in the event of hospitalization due to a covered accident.”
  • Recuperative Care – Chubb – “I want to verify that (primary insured’s name) had the Recuperative Care Insurance which provided (primary insured’s name) (and family) a daily benefit for each day hospitalized due to a covered accident or sickness.”
  • Recuperative Care – MNL – “I want to verify that (primary insured’s name) had the Recuperative Care Plan, an accident and sickness insurance plan which provided (primary insured’s name) (and family) cash benefits upon release from the hospital, in the event (primary insured’s name) was hospitalized due to a covered injury or sickness.”
  • Daily Hospital Confinement Injury & Illness – Zurich – “I want to verify that (primary insured’s name) had the Daily Hospital Confinement Injury and Illness Insurance which provided (primary insured’s name) (and family) cash benefits for hospitalization and recovery to the insured upon release from the hospital, in the event (primary insured’s name) was hospitalized by a covered accident or sickness.”
  • Injury Care Accident Insurance – Securian – “I want to verify that (primary insured’s name) had the Injury Care Accident Insurance which provided (primary insured’s name) (and family) cash benefits for covered injuries, immediate care, medical care, and recovery care.”

Cancel Policy

Process the cancellation request by selecting the appropriate letter(s).

  • MNL – CSLNRMN and REFDEAMN
  • All other carriers – CXLDEA

Search for and cancel all policies. DO NOT change their physical address or email address

Suppress Mailings

From the Customer Coverage screen, select F23 to stop future mailings by selecting “B”.

Frequently Asked Questions

Who is the beneficiary?

“My apologies. I cannot disclose that information. You can submit your request in writing to:
Franklin Madison
Plan Administrator
P.O. Box 689070
Franklin, TN 37068-9070″

Will a refund by issued?

“Premiums received after the death will be reimbursed once the form has been returned and processed.”