Faster legitimate claims
Automated confirmation removes manual death-certificate chasing from the straightforward cases.
Insurance
Validate every claim against a current death index
Carriers sit on both sides of the problem: fraudulent claims filed against decedent identities, and legitimate beneficiaries who were never located because the death was never detected.
7 DaysTo detect a deathPause the next payment cycle instead of clawing funds back later.
BatchIn-force book sweepsScreen the entire policyholder and annuity file on a schedule.
AuditReady evidence trailEvery verification logged with criteria, source class and timestamp.
The exposure
What goes wrong without current deceased data
Every one of these failures traces back to the same root cause: the death happened weeks before the data you screen against reflected it.
- Claims filed using a deceased person's identity clear before verification completes
- Annuity and pension payments continue after the annuitant has died
- Unclaimed-property and beneficiary-location obligations rely on outdated death files
- Manual death confirmation slows genuine claims and frustrates real beneficiaries
The outcome
What changes for insurance carriers
Stop improper payments
Detect annuity and benefit recipients who have died before the next payment cycle runs.
Meet beneficiary obligations
Identify deceased policyholders proactively so beneficiary outreach starts on time.
Reduce claim fraud
Cross-check claimant and insured identities against decedent records at intake.
Where it fits in a carrier's operations
Two integration points dominate. At claim intake, a real-time call confirms or contradicts the reported death and routes exceptions to special investigations. Separately, a scheduled batch sweep across the in-force book and annuity payment file surfaces deceased policyholders early enough to pause the next disbursement and begin beneficiary outreach.
The flow
From identity to decision
STEP 01
Send the identity
Post the name, date of birth and any combination of SSN or last known address to our verification endpoint, or upload a batch file through the dashboard.
STEP 02
We match against the live index
The identity is scored against our continuously refreshed nationwide deceased index, built from source records rather than downstream aggregators.
STEP 03
Get a decision-ready verdict
You receive a clear deceased / not-found verdict, a confidence score, the date of death where available and a reference ID you can store for audit.
STEP 04
Act before the loss
Block the application, freeze the account, pause the benefit payment or route to manual review, all before funds move and while recovery is still possible.
FAQ
Insurance Carriers questions, answered
Frequently asked questions
Can this replace collecting a death certificate?
It is best used as a fast first-pass confirmation rather than a wholesale replacement for certified documentation on high-value claims. For routine claims it removes days of manual chasing, and for the rest it tells your team immediately whether the reported death is corroborated so investigative effort is focused where it matters.
How does this help with unclaimed property and beneficiary location?
Regular batch sweeps of your in-force book identify deceased policyholders you have not yet been notified about. Detecting the death early lets beneficiary outreach begin within your regulatory window rather than after the policy has drifted toward escheatment.
Does it cover annuity and pension payment files?
Yes. Payment-file screening is one of the most common uses. Running the file before each disbursement cycle means an improper payment is prevented rather than recovered, which is materially cheaper and avoids a difficult conversation with the estate.
What identity fields do you need to match reliably?
Name and date of birth produce a usable match, and adding SSN or last known address raises confidence substantially. The response tells you exactly which fields matched, so you can set different action thresholds for different claim values.
Other sectors
Death verification in adjacent industries
Banks & Credit UnionsCatch decedent account fraud before the funds moveLenders & Credit IssuersDecline decedent applications at the point of decisionGovernment & Public AgenciesStop improper payments before the next disbursementPension & Retirement FundsDetect deceased annuitants before the next payment runEmployers & HR ScreeningCatch stolen identities at onboarding, not at auditHealthcare & PharmacyProtect patient records from posthumous misuse
Close the gap for your insurance workflow
Share your use case and expected volume and we will issue sandbox credentials so your team can build and certify the integration before contracting.
