Life Insurance Corporation of India also known as LIC is the largest Life Insurance Company in India and remains the pillar of Financial Security for millions of families today. The main purpose of Life Insurance Policies is to provide Financial Security. Whenever a family member dies, on whose life a Life Insurance Policy has been purchased from LIC, an important form 3788 has to be filled during the Death Claim Process.
In this article of Jeevan Bima Bazaar, we will get detailed information about LIC Death Claim Form No. 3788. We will know what this form is, what is its importance, how to fill this form etc. Also, PDF file and sample file of this form are also being shared. So let's start this important information.
LIC Death Claim Form No. 3788
Whenever there is a need to make a Death Claim in LIC Policies, LIC Death Claim Form No. 3788 is used in all Death Claims. The form number of this form is "3788" and the claim form code is "A1". This form is also called "Agent's Confidential Report for Death Claim". This form plays an important role in determining the validity of LIC's Death Claim.
Who Fills Form No. 3788
LIC Death Claim Form No. 3788 A1 should be filled by the Agent selling the Life Insurance Policy. This is because that LIC Agent has all the information available from the issuance of the policy to the Death of the Policyholder. That Agent better understands the Financial Conditions, Habits and Insurance Selling objectives of his Deceased Policyholder. Therefore, it is best to get the LIC Death Claim Form No. 3788 filled from such an Agent.
But if for some reason that Agent is not available, then in such a situation this form can also be filled by any other Agent of LIC. Provided that this New Agent knows the Deceased Policyholder and his policy well.
Importance of LIC Death Claim Form No. 3788
LIC Death Claim Form No. 3788, also known as “Agent’s Confidential Report”, plays a very important role in ensuring the Death Claim. The importance of this form of LIC can be understood from the following points.
Authenticity of the Claim:
The main purpose of LIC Death Claim Form No. 3788 is to ensure that the Death Claim is correct and authentic. LIC Agents, who know the policyholder and his family for a long time, confirm it through this form. This form helps LIC to ensure that there is no fraud or incorrect information in the Death Claim.
Confirmation of the Identity of the Deceased Policyholder:
Since the LIC Agent acts as a bridge between the Corporation and the Policyholder, when he writes the answers to the questions asked in the form, it becomes easier for LIC to identify the Deceased Policyholder and trust the claim of its Agent. As a result, LIC finds it easier to take a final decision for the Death Claim.
Ascertaining the Cause of Death:
The LIC Agent mentions the cause, place and circumstances of the death of the Deceased Policyholder in this form. If the death is due to an accident, illness or any other special circumstance, all such information is recorded in this form. This information helps LIC to understand whether the Death Claim is valid as per the policy rules or not.
Reducing the Possibility of Fraud:
The most important challenge in the LIC Death Claim Process is to take the right decision for the Death Claim while avoiding all types of fraud. The corporation completes the investigation process based on whatever information is given to the corporation by the Agent through this form. Therefore, it is also the moral responsibility of the Agent that if he suspects fraud in the Death Claim, he should clearly highlight that suspicion in the form.
Why is LIC Death Claim Form No. 3788 important
It is very important to fill and submit LIC Death Claim Form No. 3788 as it helps in maintaining transparency in the Insurance Claim Process. The LIC Agent is the link in this Death Claim Process which is well known to both the corporation and the family of the Deceased Policyholder. Due to which this form becomes the basis of trust for both.
Now if this form is not completed and submitted or the agent gives incomplete and wrong information in this form, then the chances of delay or rejection in the Claim Process increases to a great extent. Therefore, our suggestion would be that in case of Death Claim, fill this form on time and correctly and submit it to the Branch Office of the corporation.
Download LIC Form No. 3788
By the way, when the nominee submits the information of the death of the policyholder to the Branch Office of LIC, then the corporation itself gives this form along with other forms. But keeping in mind your need and convenience, we are sharing the official PDF file of LIC Death Claim Form No. 3788. You can download this form by clicking on the button below and use it whenever needed.
How to fill LIC Form No. 3788
In the LIC Death Claim Process, it is very important to understand the purpose of the questions asked in the form before filling it. So that you can answer every question accurately. So let's now understand how to fill LIC death claim form no. 3788.
As soon as you open LIC Form No. 3788, you first see "Form No. 3788" written on the right side of the form and just below it is the claim form "A1". In the head section of the form, first of all you have to write the name of the Divisional Office of the concerned Branch Office.
After this you will have to write the Policy Number and Name of the Deceased Policyholder. For this, we suggest that you check the Policy Bond and based on that enter this information in the form. Now after doing all this, the main questions of the form come, so let's now understand all the questions and their possible answers one by one.
Question 01 (a): Is it within your personal knowledge that the above-named life assured is dead?
Answer: Through this question LIC wants to know from the Agent whether the LIC Agent has personal knowledge about the death of the policyholder or not. Because LIC wants to ensure that whatever information is being given by the agent in this form is reliable or not.
The answer to this question can be written as "Yes" or "No". But our suggestion for you would be that if you do not have complete information about the death of the policyholder, then do not fill this form. First assess everything closely and then fill this form only when you are satisfied. Remember, if you answer this form in "No", then this form itself may become invalid.
Example: Yes
Question 01 (b): Date of death
Answer: Here LIC wants to know the date of death of the Deceased Policyholder from you to confirm the Death Claim so that it can confirm it with the documents submitted by the nominee or claimant. Therefore, you should write the Date of Death keeping in mind the Death Certificate.
Example: 15 December 2024
Question 02 (a): What information have you been able to Place of death
Answer: Through this question, LIC wants to know from you where according to you the deceased policyholder died. Here you should write the Full Name and Full Address of the Place of Death of the policyholder.
Example: Deen Dayal Hospital, Pandeypur Varanasi, Uttar Pradesh
Question 02 (b): Obtain regarding the date, place, cause and Cause of death
Answer: With the help of this question, LIC wants to get clarity of death so that LIC can confirm the death claim as per the rules of the policy. Therefore, you should answer this question by giving the above information about the death briefly but with complete clarity. While writing the answer to this question, our advice to you would be to check the Death Certificate, Post-mortem Report and Form No. 3784.
Example: Death occurred due to heart attack on 15 December 2024 at Deen Dayal Hospital.
Question 02 (c): Circumstances of the death? Circumstances
Answer: LIC wants to understand the real circumstances of death so that there is transparency in the decision of Death Claim. To answer this question also, our suggestion would be that you write a short answer after checking other related documents and mention only the actual events.
Example: Your answer can be something like this:
- The deceased's health suddenly deteriorated at home and he was declared dead on reaching the hospital. Or
- He died in a road accident while going to work.
Question 03: From what sources have you obtained this information and are you satisfied that it is reliable?
Answer: LIC wants to get the answer to this question to verify the Death Claim, ensure the scope of investigation and take a final decision for the Death Claim. So here my suggestion would be to mention only reliable sources in the answer to this question and assess the reliability.
Example: The answer to this question can be written like this
- I have made enquiries with the Neighbour of the Deceased Policyholder and I am satisfied with its authenticity.
- The information has been obtained from the records of the family of the deceased and the hospital. I am satisfied with its authenticity.
Question 04 (a): Can you personally certify that the deceased is the person whose life was assured by the above-mentioned Policy?
Answer: LIC wants to ensure the identity of the correct person in the Death Claim through this question. So you should write "Yes" in the answer to this question. Because if you have any doubts here then you should not fill this form, if despite this you make a mistake then your agency can be terminated.
Question 04 (b): Have you any reason to think otherwise?
Answer: It is true that by looking at the LIC Policy and the Death Status you understand whether the related death is claimable or not. However, I also believe that if the death is not claimable then you yourself would not fill this form.
Here through this question we want to understand from you whether according to you the death is claimable or not. So answer this question with complete honesty and its answer should be no.
Example: No, I have no reason to think otherwise.
Question 05: Have you any suspicion of fraud or personation, or any reason to think that the claim is not bonafide in every respect?
Answer: We suggest you that if you feel that the Death Claim Process is being done with the intention of defrauding the corporation, then you should not get involved in any such activity at all and if you believe the claim is completely correct then answer this question with “No”.
Example: No, I do not suspect any fraud or misrepresentation.
Question 06: Have you any other information to give or remarks to make in connection with the claim?
Answer: Through this question, LIC wants to ensure that if the agent has any information which is important for the Death Claim and can play a role in deciding the Death Claim, then it should get that information from the agent.
So if you have any such information then write it down otherwise write “No” in the answer of this question.
Precautions for Form No. 3788
- Before filling this form, you should get detailed information about all the causes of death of the deceased policyholder.
- After self-assessment, write the answers to all the questions asked in the form in an unbiased manner.
- Write the answers to all the questions with complete clarity.
- Use a good quality pen with blue or black ink to fill the form. Do not use different pens while filling the form.
- While filling this form, do check other medical documents, certificates and write your answers keeping uniformity.
- After filling the form completely, enter the signature and other information at the appropriate place.
Sample File of Death Claim Form No. 3788
Through this article, we have tried to present the complete information about filling the form in the simplest form. But it is possible that when needed, when you have to fill the actual form, you may have a problem understanding any question. So to help you in such a situation in future, we have prepared a sample file of this form with dummy data. You can download it by clicking on the button given below.
Improve the Agency
Jeevan Bima Bazaar is providing space to Agents and Development Officers doing Life Insurance Business on its platform, so that they can easily reach their nearest customers and needy customers can reach you. To take advantage of this locator service of Jeevan Bima Bazaar, register now by clicking on the link button given below.
Learn How to Fill Form 3788 from the video
This form of LIC plays an important role in Death Claim, so it is very important to have complete information about this form. I am sharing a video so that you do not have any confusion, our suggestion would be that before filling the form, watch this entire video carefully once.
No comments:
Post a Comment
Please do not enter any spam link in the comment box.