Common reasons for needing a certified death certificate:
- Life Insurance
- Veteran Benefits
- Probate Court
- Social Security
- State and Federal Tax Returns
- Individual Stocks/Bonds
- Bank Accounts
- Creditors (ex. utility, loan, credit card companies)
*There may be other reasons for needing certified copies, for example, review debts for credit life insurance or other insurance that may cover outstanding balances on credit accounts.
Life Insurance or Pre-funded funerals made through Marcus D. Brown Funeral Home can be handled on behalf of the survivors of the deceased. Whether you are paying for the funeral expenses with life insurance or other means, we can assist you in the filing of insurance policies. If funeral expenses are paid with life insurance we will need to take an assignment for the total amount of the funeral bill. If the insurance policy value is over the amount of the funeral bill, the insurance company will forward the additional benefits to the listed beneficiary.
Information needed to process the insurance claim:
- Certified Death Certificate
- Insurance policy or policy number(s)
- Beneficiary will need to sign the claim forms and assignment
- Social Security number and date of birth of beneficiary
Some insurance policies are non assignable to funeral homes, (example, Veteran Insurance, State Retirement, and Clemson University). Please check with your insurance company to see if your policy is assignable and if you have a living beneficiary listed. It is always good to name a contingent, in case something happens to the primary beneficiary. If your insurance policy is non assignable to the funeral home, the family will be responsible for the funeral cost. The funeral home accepts cash, certified checks, debit cards, or major credits cards (Visa, Discover, and Master Card). Financial arrangements (verification of insurance and all claim forms signed for insurance processing or full payment) are expected by 12:00 PM, 2 days prior to the funeral service.