Fax an Insurance or Beneficiary Claim — and Get the Reply Back
Death-benefit claims, appeals, and follow-ups. Send to your insurer’s claims fax for free, and receive their determination on your own number — so nothing gets lost during a claim.
Last updated: July 2026
Find your insurer’s claims fax number
The claims fax number is on the claim form or the back of your policy. Life, disability, long-term-care, and annuity claims almost always accept fax — it is often the fastest way to submit a signed claim packet. If you are a beneficiary filing a death claim, the insurer’s claims department publishes a dedicated intake fax. Confirm it on the claim form itself before sending; departments and numbers differ by claim type.
Add the claim or policy number to a cover sheet
Put the claim number (or policy number) and the insured’s name on your cover sheet, so your packet routes to the right adjuster and matches your file. Include every requested form — a claimant statement, a certified death certificate for a beneficiary claim, and any attending-physician or employer forms — as a single fax.
Send free — larger claim packets a few cents a page
Upload your claim (PDF or photos of the forms) and enter the insurer’s claims fax. Small claims send free within your monthly free pages; a full beneficiary or disability packet running 15–35 pages is a few cents a page. Track delivery in real time so you have proof it arrived. Filing a disability claim with a government agency, or appealing Medicare, instead? See how to fax a disability claim or a Medicare appeal.
Get your own number for the determination
A claim is a conversation: you file, the insurer acknowledges, requests anything missing, and returns a determination — often by fax. If you sent from a shared or one-time number, that reply goes nowhere, and an appeal window can close before you even see it. A dedicated FaxTerra number receives the insurer’s response in your email as a PDF. See how receiving works.
Frequently Asked Questions
Can I fax a life insurance or beneficiary claim?
Yes. Most life, disability, and long-term-care insurers accept claims and beneficiary death-claim packets by fax — the claims fax number is on the claim form or your policy. FaxTerra sends it online with delivery confirmation; small claims are free.
What fax number do I use for my insurance claim?
There is no single number — each insurer routes claims to its own claims department. Use the fax number printed on the claim form or the back of your policy, and put your claim or policy number on the cover sheet.
How do I get the insurer’s reply back?
Insurers respond to claims by fax — a determination, a request for a missing form, or an appeal decision. Add a FaxTerra subscription and choose your own number so those replies arrive in your email as a PDF, and you never miss an appeal deadline.
Is FaxTerra affiliated with my insurance company?
No. FaxTerra is an independent online fax service, not affiliated with any insurer. We deliver your claim to the fax number you provide and receive the reply for you. We handle general claim correspondence — we are not a HIPAA-covered service, so do not send protected medical records.