Life Insurance Companies Directory: Updated 2026
Trying to find a life insurance company can become stressful when a policy document, beneficiary letter, premium notice, old employer benefit, or claim form shows a company name you do not recognize.
Life insurance companies can change names, merge, sell blocks of policies, move policy servicing, or operate under parent-company and underwriting-company names. That means the brand on an advertisement may not be the same name printed on a policy, claim letter, annuity statement, or beneficiary form.
This Life Insurance Companies Directory is designed to help families, policyholders, beneficiaries, and shoppers look up company names, official websites, common policy types, legacy names, and verification steps before buying coverage, filing a claim, or responding to a notice.
Table of Contents
- How to Use This Directory
- Life Insurance Company Rules Table
- Life Insurance Companies Directory
- Online and Direct Life Insurance Companies
- Final Expense and Burial Insurance Companies
- Fraternal and Membership Life Insurance Companies
- Legacy and Former Life Insurance Company Names
- How to Verify a Life Insurance Company
- How to Compare Life Insurance Companies
- Who Is the Cheapest Life Insurance Provider?
- Best Life Insurance Company for Families
- How to Find an Old Life Insurance Policy
- Popular Life Insurance Documents You May Need
- Related Insurance Company Directories
- Frequently Asked Questions FAQ’s
How to Use This Directory
Use this page as a starting point when researching a life insurance company name. If you are trying to identify a company from an old policy, beneficiary notice, premium bill, annuity statement, claim packet, employer benefit document, or family paperwork, start with the company name and then verify the details through official sources.
Important Verification Reminder
Life insurance company names, ownership, policy servicing, claim contacts, underwriters, and state availability can change. Always verify important details through the company’s official website, your policy documents, the NAIC, your state insurance department, or the insurer’s current customer service department.
This directory includes large life insurers, mutual companies, direct-to-consumer brands, final expense companies, fraternal benefit societies, annuity providers, and legacy names that may still appear on older documents.
For additional company research, you can review The American Council of Life Insurers and use the NAIC Consumer Information Search.
Life Insurance Company Rules Table
Before you trust a claim form, premium notice, payment request, or beneficiary packet, make sure the company is legitimate and connected to the policy you are researching.
| Never Use | Use Instead | Why It Matters |
|---|---|---|
| A random search result that looks like the insurer | The official company website or state insurance department lookup | Ads, lead forms, and lookalike pages can appear above official company results. |
| An old phone number from decades-old paperwork | The current customer service or claims number from official sources | Life insurers may merge, rebrand, or move policy servicing over time. |
| A policy decision based only on the lowest premium | Compare policy type, guarantees, conversion rights, riders, and financial strength | The cheapest life insurance may not fit your long-term needs. |
| Sending death certificates to an unverified email | Use the official claim portal, mailing address, or secure upload method | Life insurance claims involve sensitive personal, financial, and family documents. |
| Assuming a former company name is still active | Verify whether the company merged, renamed, acquired, or transferred policies | Old life insurance names may still appear on policies and beneficiary records. |
| Buying a policy without reading the type | Understand term, whole life, universal life, indexed universal life, or final expense coverage | Different life insurance products work very differently. |
Life Insurance Companies Directory
This directory includes life insurance companies and brands that may appear in quotes, policy documents, beneficiary forms, claim packets, annuity statements, and older family records. Availability, ownership, and product offerings can change, so verify directly before relying on any listing.
| Company or Brand Name | Common Focus | What to Know | Official Website or Verification |
|---|---|---|---|
| Aflac | Supplemental insurance and life insurance options | Often researched for workplace benefits, supplemental policies, and individual coverage. | Visit Aflac |
| Allianz Life | Life insurance and annuities | Often researched for retirement products, annuities, and life insurance solutions. | Visit Allianz Life |
| American Family Life Insurance | Term and permanent life insurance | Life insurance may be offered through the American Family Insurance group. | Visit American Family |
| American General Life Insurance | Term, universal life, and permanent life insurance | Often associated with Corebridge Financial and older AIG-related life insurance documents. | Visit Corebridge |
| American Income Life | Life insurance and supplemental coverage | Often researched for union, association, and family life insurance products. | Visit American Income Life |
| American National | Life, annuities, auto, home, farm, and business insurance | Offers multiple insurance products, including life insurance and annuity options. | Visit American National |
| Ameritas | Life insurance, annuities, dental, vision, and employee benefits | Often researched for life insurance, retirement products, and benefits coverage. | Visit Ameritas |
| Amica Life Insurance | Term and whole life insurance | Often researched by existing Amica auto or home customers comparing life insurance options. | Visit Amica |
| Assurity | Life insurance, disability, critical illness, and accident coverage | Often researched for individual protection products and workplace-style coverage. | Visit Assurity |
| Banner Life | Term life insurance and life insurance products | Often appears in term life insurance comparisons and is associated with Legal & General America. | Visit Legal & General America |
| Brighthouse Financial | Life insurance and annuity products | May appear on life insurance and annuity documents, including products connected to older MetLife relationships. | Visit Brighthouse Financial |
| Colonial Life | Workplace benefits, life, accident, disability, and supplemental coverage | Often appears in employer benefits and voluntary insurance programs. | Visit Colonial Life |
| Corebridge Financial | Life insurance, retirement, and annuities | May appear in connection with American General Life, VALIC, and other legacy AIG-related life and retirement products. | Visit Corebridge |
| Equitable | Life insurance, annuities, and retirement products | May appear on policies or documents under Equitable, AXA Equitable, or related legacy names. | Visit Equitable |
| Fidelity Life | Term, final expense, and simplified issue life insurance | Often researched by shoppers looking for faster underwriting or simplified life insurance options. | Visit Fidelity Life |
| Foresters Financial | Life insurance and fraternal member benefits | Often researched for life insurance products connected to member benefits. | Visit Foresters Financial |
| Gerber Life Insurance | Children’s life insurance, adult life insurance, and final expense options | Often researched by parents, grandparents, and people comparing child or guaranteed life products. | Visit Gerber Life |
| Globe Life | Life insurance and supplemental coverage | Often researched for direct life insurance offers, family coverage, and simplified application options. | Visit Globe Life |
| Guardian Life | Life, disability, dental, vision, and employee benefits | Mutual insurance company often researched for life insurance and financial protection products. | Visit Guardian Life |
| Haven Life | Online term life insurance | Digital life insurance agency brand connected with MassMutual-backed term life products. | Visit Haven Life |
| John Hancock | Term life, permanent life, and wellness-linked life insurance | Often researched for life insurance policies and wellness-related life insurance programs. | Visit John Hancock |
| Knights of Columbus | Life insurance and fraternal benefits | Membership-based fraternal organization offering life insurance and financial products to eligible members. | Visit Knights of Columbus |
| Lafayette Life | Life insurance and annuities | May appear on whole life, annuity, and policyholder documents. | Visit Lafayette Life |
| Legal & General America | Term life insurance | Parent organization associated with Banner Life and William Penn life insurance products. | Visit Legal & General America |
| Lincoln Financial | Life insurance, annuities, retirement, and workplace benefits | Often researched for term life, universal life, indexed products, and employer benefits. | Visit Lincoln Financial |
| MassMutual | Life insurance, disability income, annuities, and financial services | Large mutual insurer often researched for whole life, term life, and financial planning products. | Visit MassMutual |
| MetLife | Group life, employee benefits, and individual legacy policies | Often appears in workplace benefits and older individual life insurance documents. | Visit MetLife |
| Midland National | Life insurance and annuities | Often researched for indexed universal life, term life, and annuity products. | Visit Midland National |
| Minnesota Life | Life insurance and group benefits | May appear on group life insurance and policy documents connected to Securian Financial. | Visit Securian Financial |
| Mutual of Omaha | Life insurance, Medicare supplement, disability, long-term care, and financial products | Often researched for term, whole life, universal life, and final expense options. | Visit Mutual of Omaha |
| National Life Group | Life insurance, annuities, and retirement products | May appear on documents for National Life Insurance Company or Life Insurance Company of the Southwest. | Visit National Life Group |
| Nationwide Life Insurance | Life insurance, annuities, retirement, and personal insurance products | Often researched by customers bundling insurance and financial products. | Visit Nationwide |
| New York Life | Life insurance, annuities, long-term care, and financial products | Large mutual life insurer often researched for permanent life insurance and financial planning. | Visit New York Life |
| North American Company | Life insurance and annuities | Often researched for term, indexed universal life, and annuity products. | Visit North American |
| Northwestern Mutual | Life insurance, disability, annuities, and financial planning | Large mutual insurer often researched for whole life, term life, and advisor-based planning. | Visit Northwestern Mutual |
| OneAmerica Financial | Life insurance, long-term care, annuities, and retirement services | May appear on documents from American United Life or other OneAmerica companies. | Visit OneAmerica |
| Pacific Life | Life insurance, annuities, and retirement products | Often researched for universal life, indexed products, variable products, and annuities. | Visit Pacific Life |
| Penn Mutual | Life insurance and annuities | Mutual company often researched for permanent life insurance and advisor-sold products. | Visit Penn Mutual |
| Primerica | Term life insurance and financial products | Often researched for term life insurance sold through representatives. | Visit Primerica |
| Principal Financial Group | Life insurance, disability, retirement, and employee benefits | Often appears in business-owner, executive benefits, and group insurance contexts. | Visit Principal |
| Protective Life | Term life, universal life, indexed universal life, and annuities | Often researched for term life and permanent policy options. | Visit Protective |
| Prudential | Life insurance, annuities, retirement, and workplace benefits | Large insurer often researched for term, universal life, and employer group coverage. | Visit Prudential |
| Securian Financial | Life insurance, group benefits, retirement, and financial products | May appear on documents under Securian, Minnesota Life, or related company names. | Visit Securian |
| State Farm Life Insurance | Term, whole life, universal life, and personal insurance products | Agent-based insurer often researched by existing auto or home customers. | Visit State Farm Life |
| Symetra | Life insurance, annuities, and employee benefits | Often researched for term life, permanent products, annuities, and benefits solutions. | Visit Symetra |
| Thrivent | Life insurance, financial planning, and member-based financial services | Membership-based financial organization offering life insurance and related products. | Visit Thrivent |
| Transamerica | Term life, permanent life, annuities, and retirement products | Often researched for term life, indexed universal life, and retirement products. | Visit Transamerica |
| Unum | Group life, disability, accident, critical illness, and workplace benefits | Often appears in employer-provided life insurance and workplace benefits documents. | Visit Unum |
| USAA Life Insurance | Life insurance and financial products for eligible military families | Eligibility is generally tied to military membership, veterans, and qualifying families. | Visit USAA |
| Voya Financial | Workplace benefits, retirement, and life insurance-related products | May appear on employer benefit documents and older life insurance records. | Visit Voya |
| Western & Southern | Life insurance, annuities, retirement, and financial products | Financial services group with several life insurance-related companies and brands. | Visit Western & Southern |
| William Penn Life Insurance Company | Life insurance in selected markets | Often associated with Legal & General America and may appear on policy documents. | Visit Legal & General America |
Online and Direct Life Insurance Companies
Many shoppers now compare life insurance online before speaking with an agent. Some online brands are agencies, marketplaces, or digital platforms rather than the actual insurance company underwriting the policy.
| Company or Platform Name | Common Focus | What to Know | Where to Start |
|---|---|---|---|
| Bestow | Online term life insurance | Digital platform often researched by shoppers looking for fast term life applications. | Visit Bestow |
| Ethos Life | Online life insurance marketplace and application platform | May connect applicants with multiple life insurance carriers depending on eligibility and product. | Visit Ethos |
| Fabric by Gerber Life | Online life insurance and family financial tools | Often researched by parents and families comparing digital term life options. | Visit Fabric |
| Haven Life | Online term life insurance agency | Digital agency brand connected with MassMutual-backed life insurance products. | Visit Haven Life |
| Ladder Life | Online term life insurance | Often researched for adjustable term coverage and digital application tools. | Visit Ladder |
| Policygenius | Insurance marketplace | Online marketplace that lets shoppers compare life insurance quotes from multiple companies. | Visit Policygenius |
| Quotacy | Online life insurance brokerage | Often researched for comparing term life policies from multiple carriers. | Visit Quotacy |
| SelectQuote | Life insurance agency and quote comparison | May help shoppers compare life insurance options from multiple carriers. | Visit SelectQuote |
| Sproutt | Life insurance marketplace | Online platform that may connect applicants to different life insurance carriers. | Visit Sproutt |
| Wysh Life | Digital life insurance | Online-focused life insurance brand often researched by younger shoppers and families. | Visit Wysh |
Online Life Insurance Reminder
An online platform may help you compare or apply, but your policy documents should identify the actual insurance company, policy type, owner, insured person, beneficiary, premium, and coverage amount.
Final Expense and Burial Insurance Companies
Final expense insurance, burial insurance, and guaranteed issue life insurance are usually smaller life insurance policies designed to help with funeral costs, debts, or end-of-life expenses. These policies can be useful for some families, but they may cost more per dollar of coverage than term life insurance.
| Company or Brand Name | Common Focus | What to Know | Where to Start |
|---|---|---|---|
| AAA Life Insurance | Term, whole life, and final expense-style products | Membership-related brand often researched for direct life insurance options. | Visit AAA Life |
| Colonial Penn | Guaranteed acceptance and whole life insurance | Often researched by older adults comparing simplified or guaranteed life insurance options. | Visit Colonial Penn |
| Gerber Life | Whole life, guaranteed life, and child life products | Often researched for child policies, guaranteed life, and family-focused coverage. | Visit Gerber Life |
| Globe Life | Direct life insurance and family coverage | Often researched for simplified direct-to-consumer life insurance offers. | Visit Globe Life |
| Mutual of Omaha | Final expense, whole life, and broader life insurance products | Often researched by seniors comparing final expense and permanent life options. | Visit Mutual of Omaha |
| Royal Neighbors of America | Life insurance and fraternal benefits | May appear in final expense, whole life, and fraternal life insurance searches. | Visit Royal Neighbors |
| Senior Life Insurance Company | Final expense and life insurance | Often researched for burial insurance and senior life coverage. | Visit Senior Life |
| United Home Life | Simplified issue life insurance | Often researched for simplified issue life insurance and final expense coverage. | Visit United Home Life |
Final Expense Warning
Some guaranteed issue life insurance policies have graded death benefits during the first years. Read the policy carefully before assuming the full death benefit is immediately payable for every cause of death.
Fraternal and Membership Life Insurance Companies
Some life insurance companies are connected to membership organizations, fraternal benefit societies, religious groups, military communities, or professional associations. Eligibility, member benefits, and products can vary.
| Company or Organization | Common Focus | What to Know | Where to Start |
|---|---|---|---|
| Catholic Financial Life | Life insurance, annuities, and member benefits | Fraternal benefit society offering financial products and member programs. | Visit Catholic Financial Life |
| Foresters Financial | Life insurance and member benefits | Fraternal organization offering life insurance and community-focused member benefits. | Visit Foresters |
| Knights of Columbus | Life insurance, annuities, long-term care, disability, and member benefits | Membership-based fraternal organization with insurance products for eligible members. | Visit Knights of Columbus |
| Modern Woodmen of America | Life insurance, annuities, and fraternal benefits | Fraternal financial organization offering life insurance and member programs. | Visit Modern Woodmen |
| Royal Neighbors of America | Life insurance and member benefits | Fraternal benefit society offering life insurance and member-focused programs. | Visit Royal Neighbors |
| Sons of Norway | Life insurance and member benefits | Fraternal benefit society offering financial products and cultural member programs. | Visit Sons of Norway |
| Thrivent | Financial services, life insurance, and member-based planning | Membership-based financial organization offering life insurance and related services. | Visit Thrivent |
| WoodmenLife | Life insurance and fraternal benefits | Membership-based organization offering life insurance and community benefits. | Visit WoodmenLife |
Membership Policy Tip
If a life insurance policy is tied to a membership group, ask whether benefits, eligibility, policy ownership, beneficiaries, or premium rules depend on maintaining membership.
Legacy and Former Life Insurance Company Names
Life insurance policies can last for decades, so older company names often appear on paper policies, premium books, claim records, employer benefits, annuity statements, and family files long after the company name has changed.
| Legacy or Former Name | What Policyholders Should Know | Where to Start |
|---|---|---|
| Aetna Life Insurance | This name may appear on older life, health, or employee benefit documents. Verify current company and policy servicing information. | Verify With NAIC |
| AXA Equitable | This former name may appear on older life insurance and annuity documents. Many searches now point to Equitable. | Check Equitable |
| Beneficial Life Insurance Company | This name may appear on older policy documents. Verify current policy servicing through official records. | Verify With NAIC |
| First Colony Life Insurance Company | This name may appear on older life insurance policy documents. Verify current servicing before filing claims. | Verify With NAIC |
| ING Life Insurance | This former name may appear on older life insurance or retirement documents. Many searches now connect to Voya. | Check Voya |
| Jefferson Pilot Life | This name may appear on older policies. Verify current servicing through official company records. | Verify With NAIC |
| Life Insurance Company of Georgia | This name may appear on older family policy records. Verify current successor or servicing company before submitting documents. | Verify With NAIC |
| Monumental Life Insurance Company | This name may appear on older life insurance documents. Verify current policy servicing through official sources. | Verify With NAIC |
| Old Line Life Insurance Company of America | This name may appear on older policy or annuity documents. Verify current handling before filing claims. | Verify With NAIC |
| Reliastar Life Insurance Company | This name may appear on older life insurance documents. Verify current servicing and ownership before making decisions. | Verify With NAIC |
| Security Life of Denver | This name may appear on older life insurance and annuity records. Verify current policy servicing through official channels. | Verify With NAIC |
| Sun Life Assurance Company of Canada U.S. Documents | Sun Life remains active in different markets, but older U.S. documents may need current servicing verification. | Check Sun Life U.S. |
| Transamerica Occidental Life | This name may appear on older policy documents. Verify current handling through Transamerica or official insurance records. | Check Transamerica |
| U.S. Life Insurance Company | This name may appear on older policy documents. Verify current status and servicing through official sources. | Verify With NAIC |
Legacy Name Warning
Do not send death certificates, claim forms, beneficiary information, bank details, Social Security numbers, or personal documents to an old life insurance company name until you verify the current insurer, claim handler, or official servicing contact.
How to Verify a Life Insurance Company
Before buying life insurance, making a premium payment, or filing a death claim, confirm that you are dealing with the official insurer, authorized agency, or current policy servicing company.
Verification Checklist
- Check the official website: Use the insurer’s real domain, not an ad, copied page, or lead form.
- Use NAIC tools: Search the company name, NAIC number, complaint data, license information, and financial information where available.
- Check your state insurance department: Confirm the company is licensed or was historically licensed in the relevant state.
- Review the policy: Look for the exact company name, policy number, issue date, owner, insured person, and beneficiary section.
- Verify claims contacts: Use the official claim page or confirmed mailing address before sending death certificates.
- Watch for former names: Search for merger, acquisition, rebrand, demutualization, or successor information if the name is old.
- Be careful with payment requests: Never pay premiums through an unverified text message, email, or third-party link.
Helpful verification resources include the NAIC Consumer Information Search and the NAIC State Insurance Departments directory.
How to Compare Life Insurance Companies
The best life insurance company is not always the cheapest company. A low premium may not help if the policy type is wrong, the term is too short, the conversion option is weak, the permanent policy is misunderstood, or the company does not fit your health profile.
What to Compare Before Choosing
- Term life vs permanent life insurance
- Coverage amount
- Premium guarantee period
- Policy length
- Conversion rights
- Riders and optional benefits
- Medical exam requirements
- Accelerated death benefit options
- Cash value rules for permanent policies
- Surrender charges
- Financial strength
- Complaint history
- Customer service and claims process
- State availability
- Agent, online, or workplace enrollment process
Trusted Company Reality
The most trusted life insurance company for one person may not be the best fit for another. Age, health, tobacco use, family needs, budget, policy type, coverage amount, and long-term goals all affect which company makes sense.
For policy-type basics, read Types of Life Insurance Explained: Term vs Permanent.
Who Is the Cheapest Life Insurance Provider?
There is no single cheapest life insurance provider for everyone. Price depends on age, health, gender where allowed, tobacco use, coverage amount, policy type, term length, driving history, family medical history, occupation, hobbies, and underwriting rules.
One company may be cheaper for a healthy 30-year-old buying term life, while another may be better for someone with diabetes, a past health issue, no-exam needs, or a final expense policy.
Cheap Life Insurance Tip
Compare the same policy type, coverage amount, term length, riders, and underwriting class. A quote only looks cheaper if it gives you similar protection.
Best Life Insurance Company for Families
Families often need life insurance to replace income, pay a mortgage, cover childcare, fund education goals, pay debts, or give surviving family members time to adjust financially.
Families Should Compare
- Term length that matches mortgage or child-raising years
- Coverage amount based on income, debts, and future needs
- Spouse coverage options
- Child rider options
- Conversion rights if health changes later
- Disability waiver of premium rider, if available
- Accelerated death benefit rider
- Premium affordability over the full term
- Beneficiary update process
- Claim support and document requirements
Family Coverage Strategy
Many families start with term life insurance because it can provide a larger death benefit during the years when income replacement, mortgage protection, and child-related expenses matter most.
How to Find an Old Life Insurance Policy
Old life insurance policies are common because people may buy coverage decades before a claim is filed. If you are helping a parent, spouse, or estate, the company name on old paperwork may no longer be the current servicing company.
Old Policy Search Checklist
- Search personal files: Look for policies, premium notices, annual statements, tax records, and safe deposit box records.
- Check bank records: Look for recurring premium payments to insurance companies.
- Contact former employers: Ask about group life insurance, retiree benefits, or union coverage.
- Search for the exact company name: Include old names, parent companies, and NAIC numbers if listed.
- Use NAIC resources: Use official tools to help identify life insurance companies and policy information.
- Contact state insurance departments: They may help point you toward company lookup and unclaimed benefit resources.
- Check unclaimed property: Life insurance proceeds may eventually be reported to state unclaimed property offices in some situations.
- Keep copies: Save death certificates, policy pages, claim forms, beneficiary documents, and correspondence.
Beneficiary Warning
Life insurance companies usually require proof before paying a claim. Do not rely only on family memory. Try to locate policy numbers, insured names, beneficiary names, death certificates, and current servicing company information.
Popular Life Insurance Documents You May Need
If you are researching a life insurance company, you may need documents that confirm the insurer, policy number, insured person, owner, beneficiary, premium status, claim requirements, or cash value. The same verification steps apply whether you are dealing with a major insurer, workplace benefit, former company name, fraternal society, or online policy.
Documents to Check
- Life insurance policy
- Policy declarations page
- Annual statement
- Premium notice
- Beneficiary designation form
- Policy illustration
- Cash value statement
- Loan statement
- Lapse notice
- Reinstatement notice
- Conversion notice
- Employer group life certificate
- Claim packet
- Death certificate
- Proof of identity documents
Document Tip
If you are trying to identify a life insurer, look for the NAIC number, exact company name, policy number, issue date, insured person, owner, beneficiary section, and any merger or servicing notice.
Related Insurance Company Directories
Use these PolicyPorch directories to research other types of insurance companies and official provider names.
- Life Insurance Companies Directory
- Pet Insurance Companies Directory
- Auto Insurance Company Directory
- Homeowners Insurance Companies Directory
- Renters Insurance Companies Directory
- Travel Insurance Companies Directory
- Umbrella Insurance Companies Directory
Frequently Asked Questions FAQ’s
What is the most trusted life insurance company?
The most trusted life insurance company depends on your age, health, coverage needs, policy type, budget, and long-term goals. Check financial strength, complaint history, policy terms, riders, and claim support before choosing.
How do I compare life insurance companies?
Compare the same policy type, coverage amount, term length, premium guarantee, riders, underwriting requirements, conversion options, financial strength, complaint history, and claim process.
Who is the cheapest life insurance provider?
There is no single cheapest provider for every person. Price depends on age, health, tobacco use, coverage amount, policy type, term length, occupation, hobbies, and underwriting rules.
What is the best life insurance company for families?
The best company for families is usually one that offers affordable coverage amounts, strong term life options, useful riders, reliable claims support, and policy terms that match income, mortgage, and childcare needs.
How do I know if a life insurance company is legitimate?
Check the official company website, search NAIC records, verify licensing with your state insurance department, confirm the company name and NAIC number on the policy, and avoid unverified payment or claim links.
What if I cannot find an old life insurance company?
Look for the exact company name, NAIC number, policy number, premium notices, merger letters, and beneficiary documents. Then check NAIC resources, state insurance departments, and possible successor companies.
Is term life insurance better than whole life insurance?
Term life and whole life serve different needs. Term life is often used for temporary income protection, while whole life is permanent coverage with cash value features. The better choice depends on your budget and goals.
What documents are needed for a life insurance claim?
Life insurance claims commonly require a claim form, certified death certificate, policy information, beneficiary identification, and any documents requested by the insurer. Requirements vary by company and claim situation.
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