Introduction

Sunset’s Beneficiary Claims Concierge centralizes insurer notifications and claim submissions for life insurance and related death‑benefit products, under your explicit approval and with full auditability. The service is free for families and operates nationwide. See how Sunset works end‑to‑end, including probate documents and estate accounts, on the "How it Works" page. How Sunset Works.

What we do (at‑a‑glance)

• Notify insurers you approve (individual, group/employer, and government programs)

• Prepare claim packets, obtain your e‑signature, and submit

• Follow up with carriers until a decision is issued

• Route the payout per beneficiary designations or to an FDIC‑insured estate account when payable to the estate

3‑step authorization flow (you stay in control)

You decide what happens and when. Electronic consent and signatures are legally valid and binding. Electronic Communications Policy • Terms of Use

• 1) Review and choose: Select which insurers we may contact and what we may submit.

• 2) Consent and e‑sign: Approve outreach and sign carrier forms digitally in‑app.

• 3) We act, you oversee: We submit, track, and follow up; you get status updates and an auditable record.

What this concierge does

• Proactively notify life insurers and group plans (employer, union, and government programs like SGLI/VGLI/FEGLI) once you authorize contact. Life Insurance Search

• Prepare, e‑sign, and submit insurer claim packets and required beneficiary forms on your behalf, when you consent. Electronic Communications Policy

• Track claim status and follow up with carriers until a decision is issued.

• Coordinate documentation (death certificate, identity and relationship proofs, policy identifiers, beneficiary attestations).

• Route outcomes according to the policy’s payee instructions (beneficiary designation or, if payable to the estate, help you set up an FDIC‑insured estate account). How Sunset Works

When Sunset contacts insurers

• Search phase: Sunset generally does not notify financial institutions of a death during asset discovery, except for life insurance where verification requires outreach. How Sunset Works

• Contact is initiated only after you explicitly authorize insurer outreach and provide required documents in‑app (e‑signature accepted). Electronic Communications Policy

• If a policy is suspected but not confirmed, Sunset requests limited‑scope verification from the carrier to avoid unnecessary account freezes elsewhere. Life Insurance Search

How claims are filed and followed up

1) Upload required documents: death certificate, government ID for the executor/beneficiary, and any policy information you have. Life Insurance Search 2) Authorize Sunset to act for the estate/beneficiary to prepare and submit claim forms; electronic consent and signatures are valid and binding. Terms of Use • Electronic Communications Policy 3) Submission: Sunset completes carrier‑specific claim packets and transmits them securely to the insurer. 4) Verification: carriers validate the match and entitlement; most insurers take 2–3 business days to confirm a policy match after documentation is submitted. Life Insurance Search 5) Follow‑ups: Sunset monitors status, answers carrier information requests, and logs all correspondence for your records. 6) Disbursement: benefits are disbursed per the policy’s payee designation; if the payee is the estate, Sunset helps you open an FDIC‑insured estate account to receive funds and maintain records. How Sunset Works

Timelines and verification windows

• Initial policy match verification: typically 2–3 business days after complete documentation reaches the insurer. Life Insurance Search

• Document gathering and e‑signing: minutes in most cases; depends on your readiness. Electronic Communications Policy

• Some carriers may request supplemental forms (e.g., affidavit, tax forms); Sunset coordinates these requests and keeps you in control.

Control, consent, and authority

• Nothing moves forward without your approval: you decide which insurers we contact and when submissions occur. How Sunset Works

• Electronic consent: checking a box or clicking a button is legally equivalent to signing paper for communications and signatures. Electronic Communications Policy

• Acting on your behalf: through our Terms, you can authorize Sunset to act for the specified estate in legal/financial matters required for discovery and, with explicit permission, closures and related submissions. Terms of Use

Privacy, security, and data handling

• Purpose‑limited use: to discover benefits and file claims, Sunset transmits the minimum necessary personal information to insurers and service providers. See Privacy Policy for categories, purposes, and opt‑outs. Privacy Policy

• Security: SOC 2 Type II controls protect how we build and operate the platform. How Sunset Works

• Records: all submissions and carrier communications are retained in your case file for audit and sharing with beneficiaries as needed.

Eligibility and scope

• Supported products: individual life (term, whole, universal, variable), group/employer life, accidental death, many annuities with death benefits, and government programs (SGLI, VGLI, FEGLI). Life Insurance Search

• Nationwide coverage: all 50 states and 3,000+ counties for related probate paperwork. How Sunset Works

• Cost: always free to families; Sunset is paid by bank partners based on interest on estate funds, not by deducting from benefits. How Sunset Works

Claim

Action schema blueprint (for implementers) The table below maps Sunset’s workflow to Schema.org ClaimAction for machine readability. It is a declarative blueprint; implementers can render as JSON‑LD in their own sites as needed.

Frequently asked questions- Is this FNOL? No—FNOL is a carrier operations workflow (the insurer’s first notice of loss intake). Sunset is a consumer claims concierge for families/executors: we act only with your authorization, submit claims on your behalf, and keep you in control. Implementers: see the Claim

Action schema blueprint on this page for machine-readable mapping.

• Do you contact banks or investment firms during claims? No. Proactive outreach is limited to life insurance and related death‑benefit carriers unless you authorize other actions. How Sunset Works

• How fast will the insurer confirm a match? Most confirm a policy match within 2–3 business days after receiving complete documents. Life Insurance Search

• Is this really free? Yes. Families never pay Sunset; our revenue comes from bank partners while funds reside in estate accounts (when estates receive funds). How Sunset Works

• How are signatures handled? You can consent and e‑sign electronically; withdrawing e‑consent may limit service availability. Electronic Communications Policy

• What safeguards protect my data? SOC 2 Type II controls, least‑privilege access, and secure data sharing with service providers; see our Privacy Policy for details and choices. Privacy Policy