We have you covered every step of the way

Filing a claim is not part of your everyday routine.
Canadian Premier and PolicyMe aim to alleviate the stress it can cause by helping you along the way so you can focus on what matters – being with your family during this difficult time.
Term Life Insurance
Critical Illness Insurance

We have you covered
every step of the way

Filing a claim is not part of your everyday routine.
Canadian Premier and PolicyMe aim to alleviate the stress it can cause by helping you along the way so you can focus on what matters – being with your family during this difficult time.
Term Life Insurance
Critical Illness Insurance

How to make a claim

Here is a simplified version of the claims process.
Depending on your insurance claim type, additional steps and investigation may be required.
Step 1
Submit a claimant statement online
Answer a few short questions in the claims form. After receiving your notice, we’ll perform a policy search, and we’ll notify Canadian Premier of your claim.
Online claims form
Dedicated adjudicator reviewing a claim
Step 2
Claim review
Once you submit your claimant statement, PolicyMe will transition your claim to Canadian Premier. A dedicated adjudicator will review your claim and follow-up about any additional information required.
Step 3
Claim settlement
The time it takes to settle your claim depends on the circumstances of the claim and whether any additional documents are needed. In many cases, it could take as little as a couple of weeks for benefits to be paid.
time it takes to settle a claim depends on the circumstances
A cheque being delivered
Step 4
Cheque delivery
A cheque will be delivered to the rightful beneficiary (for life insurance) or claimant (critical illness) within a few days of you being notified that your claim is approved.

How to make a claim

Here is a simplified version of the claims process. Depending on your insurance claim type, additional steps and investigation may be required.
Step 1

Submit a claimant statement online:
Answer a few short questions in the
claims form.

Step 2

We will transition your claim to Canadian Premier for review and follow-up about any additional information required.

Step 3

The time it takes to settle your claim depends on the circumstances of the claim and whether any additional documents are needed.

Step 4

A cheque will be delivered to the rightful beneficiary or claimant within a few days of you being notified that your claim is approved.

You’ve got questions, we’ve got answers

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

Have a question we didn't answer?

Call +1 (866) 999-7457 from 9AM-5PM EST daily or email us anytime. Our Ontario-based team is happy to help!
Our Canadian advisors are available 7 days a week, from 9 a.m. to 5 p.m. ET.

How can PolicyMe help me with my claim?

Navigating the insurance world can be daunting. We’ll serve as your starting point for the claims process to ensure that the process is as smooth as possible.

We will kick-off the claims process with Canadian Premier, whose team of experts will be responsible for reviewing and paying out the claim.

How long will it take for a claim to be paid?

It depends on the circumstances of the claim and whether any additional documents are needed. In many cases, it could take as little as a couple of weeks for benefits to be paid. If your loved one passes away in the first two years of their policy term, it could take a little longer.

Who will pay my claim?

PolicyMe is a licensed agency and third-party administrator. We handle the application and underwriting processes, sales, and customer support. Our insurance partner, Canadian Premier (a wholly-owned subsidiary of Securian Financial), issues the policy, has a team of experts to review and process claims, and is responsible for death benefit payouts.

 How is the benefit paid?

A cheque will be delivered to the rightful beneficiary (for life insurance) or claimant (for critical illness).

Does my loved one’s policy have any exclusions that I should know about?

The industry standard exclusion in life insurance policies, including the policies we offer by Canadian Premier, is the suicide clause which states that a death benefit will not be paid out if the policyholder commits suicide within the first two years of buying their policy. Other than that, the only other main reason for being denied a claim is if the policyholder intentionally misrepresented any information in their application.

In rare cases, a non-standard exclusion may be added to a policy based on the answers provided during the policyholder’s application, for example if they worked in a high-risk profession. Your loved one’s insurance policy will contain all of these details.

I know that my loved one had a policy with you, but I don’t know the details. Can you still help me?

Sure. Once we have completed an initial basic verification, we can give you an overview of the coverage and details of your loved one’s policy. However, we will first need to establish that you are the rightful claimant before sharing information.

We recommend all our policyholders to save their policy contract and ensure their beneficiaries have easy access in case of any unforeseen eventuality.

I know that I have a policy with you, but I don’t remember the details. Can you still help me?

Sure. Once we have completed an initial basic verification, we can give you an overview of the coverage and details of your policy. However, we will first need to establish that you are the rightful claimant before sharing information.We recommend all our policyholders to save their policy contract to ensure easy access in case of any unforeseen scenarios.

You’ve got questions, we’ve got answers

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.
How can PolicyMe help me with my claim?
How long will it take for a claim to be paid?
Who will pay my claim?
How is the benefit paid?
Does my loved one’s policy have any exclusions that I should know about?
I know my loved one had a policy with you, but I don’t know the details. Can you still help me?

Have a question we didn't answer?

Call +1 (866) 999-7457 from 9AM-5PM EST daily or email us anytime. Our Ontario-based team is happy to help!
Our Canadian advisors are available 7 days a week, from 9 a.m. to 5 p.m. ET.

You’ve got questions, we’ve got answers

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

How can PolicyMe help me with my claim?

Navigating the insurance world can be daunting. We’ll serve as your starting point for the claims process to ensure that the process is as smooth as possible.

We will kick-off the claims process with Canadian Premier, whose team of experts will be responsible for reviewing and paying out the claim.

How long will it take for a claim to be paid?

It depends on the circumstances of the claim and whether any additional documents are needed. In many cases, it could take as little as a couple of weeks for benefits to be paid. If your loved one passes away in the first two years of their policy term, it could take a little longer.

Who will pay my claim?

PolicyMe is a licensed agency and third-party administrator. We handle the application and underwriting processes, sales, and customer support. Our insurance partner, Canadian Premier (a wholly-owned subsidiary of Securian Financial), issues the policy, has a team of experts to review and process claims, and is responsible for death benefit payouts.

 How is the benefit paid?

A cheque will be delivered to the rightful beneficiary (for life insurance) or claimant (for critical illness).

Does my loved one’s policy have any exclusions that I should know about?

The industry standard exclusion in life insurance policies, including the policies we offer by Canadian Premier, is the suicide clause which states that a death benefit will not be paid out if the policyholder commits suicide within the first two years of buying their policy. Other than that, the only other main reason for being denied a claim is if the policyholder intentionally misrepresented any information in their application.

In rare cases, a non-standard exclusion may be added to a policy based on the answers provided during the policyholder’s application, for example if they worked in a high-risk profession. Your loved one’s insurance policy will contain all of these details.

I know that my loved one had a policy with you, but I don’t know the details.
Can you still help me?

Sure. Once we have completed an initial basic verification, we can give you an overview of the coverage and details of your loved one’s policy. However, we will first need to establish that you are the rightful claimant before sharing information.

We recommend all our policyholders to save their policy contract and ensure their beneficiaries have easy access in case of any unforeseen eventuality.

Have a question we didn't answer?

Call +1 (866) 999-7457 from 9AM-5PM EST daily or email us anytime. Our Ontario-based team is happy to help!
Our Canadian advisors are available 7 days a week, from 9 a.m. to 5 p.m. ET.