We have you covered every step of the way

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 Securian Canada, whose team of experts will be responsible for reviewing and paying out the claim.

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.

PolicyMe is a licensed agency and third-party administrator. We handle the application and underwriting processes, sales, and customer support. Our insurance partner, Securian Canada (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.

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

The industry standard exclusion in life insurance policies, including the policies we offer by Securian Canada, 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.

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.

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.

If you're submitting a claim online, it will be processed in real-time and you'll typically receive your reimbursement the following day through direct deposit. In some cases, a claim might trigger an audit at which point you may be asked to submit additional documentation within a certain timeframe. From the time we receive your documents, it could take up to a week for us to review your claim and process your reimbursement.

If your medical provider will be submitting the claim on your behalf, it will be processed in real-time.

Your health and dental insurance plan will have some exclusions that are common. We always recommend that our customers read what's included in their coverage carefully before accepting and paying for their policy.

If you're submitting a claim online yourself, it will be reimbursed through direct deposit. In the event that a reimbursement can't be made via direct deposit (e.g. if the banking details haven't yet been added to the portal or are incorrect), then you'll receive a cheque by mail.

We recommend that our customers keep the receipts of any submitted claims for at least 12 months.