How to Fill LIC Form 3785 for Death Claim
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When a family member departs from this world, the pain of his departure is unbearable for the family. Now, if that member had bought a life insurance policy on his life, then in such a difficult time, the family has to go through the necessary documentation processes while maintaining their mental balance with understanding. One of the most important processes among these necessary processes is the death claim process for the life insurance policies of the deceased member.

Within a few days of the submission of the Death Claim Information in LIC Policies, the Corporation issues some Important Guidelines and Forms to the family through the Indian Post or any other official means. Despite this sad and difficult time, the family members have to follow the guidelines issued by the corporation and it is also necessary to complete all the Death Claim Forms.

Among the Death Claim Forms offered by LIC, there is a very important form whose Form Number is 3785. This is a Form that is used for almost all types of Death Claims. So through today's article of Jeevan Bima Bazaar, we will learn in detail about filling this form of LIC.

    What is LIC Form No. 3785

    LIC Form No. 3785 is a very important form, which is used to complete the Claim Process after the death of the Policyholder in the LIC Policy.

    In other words, after the Death of the Policyholder in the LIC Policy, the Nominee mentioned in the Policy or legal heir has to submit a claim to receive the Sum Assured of the Life Insurance Policy. To file this claim, LIC Form No. 3785 also has to be filled and submitted to the concerned Branch Office of LIC.

    How to Get LIC Form No. 3785

    Immediately after the Death of the Policyholder, the Nominee mentioned in the Policy or claimant submits a written notice of the Death of the Policyholder along with the Official Death Certificate to the Branch Office of the corporation. LIC registers the Death Claim as soon as it receives this information and sends necessary Guidelines and Various types of Death Claim Forms to the Nominee or Claimant to start the Death Claim Process through Indian Post or any other official medium.

    The Nominee or Claimant has to follow all the Guidelines received from LIC and fill all the Death Claim Forms and submit them again to the Branch Office of the Corporation. Many types of Death Claim Forms are received from LIC to complete the Death Claim Process. One of these forms is Form 3785.

    Download LIC Form No. 3785

    Although LIC itself gives this form to the Nominee or Claimant. But keeping your convenience in mind, we are sharing the PDF file of this form with you. You can download this PDF file by clicking on the button given below and can use this form to complete the Death Claim Process by getting it printed.

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    Who Fills Form No. 3785

    LIC Form No. 3785 is also called "Certificate of Identity and Burial or Cremation". This form is filled by a person who has no blood relation or close relationship with the Deceased Policyholder. The person filling this form should be literate and should know the deceased policyholder well.

    Apart from the above, the most important thing is that this form can be filled only by the person who should be present at the time and place of the last rites of the deceased i.e. cremation or burial.

    Things to Keep in Mind While Filling the Form

    LIC Form No. 3785 should be filled very carefully, as this form plays an important role in the Death Claim Payment. While filling the form, many important things should be kept in mind, so that there is no interruption or delay in the Claim Process. Let us now know what important things should be kept in mind while filling this form.

    Fill Accurate and Clear Information:

    Name, Address, Date of Birth or Age, Policy Related Information has to be given in LIC Form No. 3785. All this information should be given keeping in mind the information given in the Policy Documents and other Documents like ID Proof, Address Proof and Bank Account.

    Remember, a small mistake or ambiguity made by you can also lead to the Death Claim being Rejected or LIC may ask for some other documents from you.

    Use of Pen:

    Before starting to fill the Form, make sure that the pen with which you are going to fill the form is working properly. Always use a blue or black ink pen to fill the form and ensure that the ink does not spread while writing on the form. Do not use pencil or red/green ink while filling the form.

    Only an Authorized Person should Fill the Form:

    Above, it has been explained in detail who can fill this LIC Form, so keep in mind that this form should be filled by the person mentioned above. Different handwriting in the form can hamper your Death Claim.

    Check the Documents:

    While filling out LIC Form No. 3785, information about two individuals becomes essential: first, the person who is filling out the form and second, the deceased policyholder. Generally, supporting documents of the person filling the form are not explicitly required at the time of filling or submission. However, we strongly recommend that the claimant (the person who is filling out the form) fills the form based on accurate answers and refers to the following documents related to both themselves and the deceased policyholder. This will help ensure smooth verification in case any documents are requested by LIC in the future.

    • Death Certificate
    • Policy Bond
    • Identity Card and Address Proof
    • PAN Card

    Sign at the Right Place:

    The person who fills this form also signs at the required places given in the form. So the signature should be clear and same at all the required places given in the form.

    We would advise that every effort should be made to get this form filled by a literate person only, so that there is no problem in the Claim Process in future. But if this is not possible at all, then in such a situation this form can also be filled with the thumb impression of an illiterate person. Provided that this form is filled by another person (witness) in his presence.

    When this form is filled by an illiterate person, his thumb impression is taken at all the necessary places. Along with this, it is very important to get the signature of the person who has filled this form as a witness. Keep in mind, if needed, LIC can verify both these people.

    Double Check Before Submitting the Form:

    After completing all the LIC Death Claim Forms and before submitting them to the LIC Branch Office, our advice would be to check this form once thoroughly. It would be better to keep a photostat copy or scanned image of all the completely filled forms with you.

    Take Expert Help:

    Through this article, we are presenting complete information about filling this form of LIC. But this form is very important in the Death Claim Process, even a small mistake can cause delay in your claim or your claim can also be rejected due to this.

    So our advice to you would be to fill this form in the presence of an expert. Keeping your convenience in mind, I am sharing a link button below, you can get information about the expert LIC agent of your area by clicking on it.

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    How to fill LIC Form No. 3785?

    Filling LIC Form No. 3785 is an important task in the LIC Death Claim Process. This form should be filled carefully and with accurate information. So that the Death Claim is approved without any hindrance. Complete information about how to fill this LIC form is being presented in a step-by-step manner. All the questions in LIC Form No. 3785 are shown in bold letters below and the details are given below.

    • Deceased Policyholder Details: In this form, the details of the deceased policyholder are given first. First of all, you have to write the name of the deceased policyholder and his Policy Number in this form.
    • Full Name of the Deceased: Here you have to write the Full Name of the Deceased Policyholder. Write the name of the policyholder as per his Life Insurance Policy.
    • Full name of the Father of deceased: Now you should write the Name of the Deceased Policyholder's Father on the basis of his Aadhaar Card, School Certificate or any other document which is to be submitted with the Death Claim Form.
    • How long was the deceased known to you: In this answer, you have to tell how long you knew the deceased policyholder. So, actually write the time you knew the deceased policyholder. This answer should be approximate but verified. It should not be caught in the investigation that you did not live in that area in the past and you have included those days here.
    • Was he related to you: The answer to this question can be friend, neighbor or no. Since the condition of this form is that this form should not be filled by the blood relatives and close relatives of the deceased, so this can be the best answer to this question.
    • Date and time of death: Before writing the answer to this question, you should check the Official Death Certificate and match it with the truth. If both of these are correct then only the form should be filled. If both are correct then the answer to this question should be given with an estimate. That means write the date clearly but write the time with the word approximately, like around 5 p.m.
    • Cause of death: The answer to this question is also given in the Official Death Certificate, so check the Death Certificate and match it with reality. If both are correct then write the cause of death on the basis of Death Certificate only, otherwise do not fill the form.
    • Place of death: The answer to this question is also given in the Official Death Certificate, so check the Death Certificate and match it with reality. If both are correct then write the place of death on the basis of Death Certificate only, otherwise do not fill the form.
    • Duration of illness: If the Deceased Policyholder was ill for some period, then according to your knowledge what was the duration of his illness, you have to tell. In case of accident, the answer can be written as he was not ill or died immediately. The answer to this question can be different in different situations.
    • Describe any distinctive mark or physical peculiarity of deceased: Here you should write any Birth Mark on his body if you remember it or in the answer to this question you should write - "I do not remember any identifying mark of the deceased", it would be better to ask the family members for the identifying mark and then write it down.
    • Was he tall, short or medium in height: It is appropriate to answer this question according to the physique of the deceased policyholder. The best answer to this question is "average height".
    • Was he stout, thin or medium in Build: It is also appropriate to answer this question according to the physique of the deceased policyholder. However, the best answer to this question is "average".
    • Approximate age at death: Before writing the answer to this question, you should check the policy bond and death certificate of the deceased policyholder. The policy bond contains the Date of Birth of the Deceased Policyholder. The estimated age of the deceased policyholder should be calculated from this date of birth.
    • Deceased's occupation immediately prior to death with address of the employer, if any: The answer to this question may be different for different people. If the deceased was running his own business, then the details of whatever work he was doing should be written and the complete address of his workplace should be noted. But if he worked in a company, then his position in the company and the complete address of the company should be written.
    • Deceased's Previous occupation with address of employer, if any: If you know that the deceased policyholder was doing some other work apart from the above mentioned occupation during his lifetime, then in such a situation, the details of the work just before the above work should be written along with his address. If this is not the case, then you should write in the answer to this question - "I have seen the deceased doing only the above mentioned business or work."
    • When did you last see him alive: This question has to be answered on your own. You should write the date when you last saw the deceased policyholder alive. If the date is not clear, write the date using the words "approximately" or "probably".
    • Did you see the body after death: If you saw the body of the deceased policyholder in open form, then answer yes, otherwise write no.
    • Was the body buried or cremated: Answer this question according to the actual situation.
    • Time and Date of burial or cremation: The date should be written clearly in the answer to this question, but it is better to write the time with the word "approximately".
    • Name and address of the place of burial/cremation: Wherever the deceased policyholder was buried or cremated, the name and full address of that place should be written clearly.
    • Were you present at the disposal of the body: Remember, the answer to this question should always be yes. If the answer to this question is written as "no" then the claim process may get disrupted. The second important thing is that if you write the answer to this question in the wrong way in yes and it is found to be wrong during investigation, then the corporation can also take legal action against you.
    • Are you aware that the deceased's life was insured with corporation: Since this question represents the current situation, so in the present situation when you are filling this form, you know that there is a life insurance policy on the life of the deceased. Therefore, the answer to this question should also be written in yes.

    After filling the above details carefully, you should put your signature in the appropriate place on the form.

    Download LIC Form No. 3785 (Sample PDF with Dummy Data)

    If you are working as an Agent, CLIA or Development Officer in Life Insurance Corporation of India (LIC), it is important that you have the correct information about filling up LIC Form No. 3785. Since this form plays a very important role in death claims, it is very important to have a practical knowledge of it for the correct guidance of the claimant.

    Keeping this requirement in mind, we have prepared a sample file with dummy data for you. I am sure that this sample file will not only be helpful in your training and guidance, but will also serve as a reference tool for you when you are explaining the death claim process to your policyholders.

    Click on the button below to download this sample PDF file.

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    Conclusion

    LIC Form No. 3785 is a very important document for death claim. This LIC form should be filled with utmost care and accuracy. We are confident that the guidelines, step-by-step process and sample file of this form given in this article will not only give you practical information about filling this form but you will also be able to understand how the Claim Process can be made more simple.

    I also believe that this article of mine will serve as a training medium for LIC agents, development officers and CLIA, on the other hand, it will also prove helpful in providing better service to your customers. We would suggest that you save this article and also share it with your colleagues, so that you and your colleagues can get the benefit of it when needed.

    Complete Information About Filling Form No. 3785 (in video)

    It is very important to fill LIC Form No. 3785 very carefully. Because even a small mistake in this form can slow down or even reject your claim process. For more clarity of this form, we are sharing a video with you and want to emphasize that before starting the process of filling the form, watch the entire video carefully. Note down the important points and then start filling the form.