TO:All Life Insurers and Reinsurers Admitted to Do Business in Massachusetts
FROM:Linda Ruthardt, Commissioner of Insurance
DATE:October 3, 2001
RE:Use of Affidavit in Lieu of a Death Certificate with respect to Life Insurance Claims Arising out of the Tragic Events of September 11, 2001

Since September 12, 2001, the Division of Insurance has worked with insurance regulators from the other states to assist the families of victims of the attack on our nation. To expedite the processing of life insurance claims, the Division is encouraging life insurers and reinsurers to allow and accept a fully executed affidavit from the victim's next of kin, in lieu of a death certificate, if such certificate is not available. A sample affidavit can be found on our website at This affidavit has been approved by the insurers that comprise the Life Insurance Association of Massachusetts (LIAM).
The Division acknowledges that the use of this affidavit is extra-contractual. The industry and regulators have agreed that this affidavit is an acceptable proof of loss in light of the extraordinary events of September 11. Use of this affidavit in these circumstances should not be construed as authorization for its use for claims unrelated to the events of September 11, 2001.
We at the Division appreciate the cooperation of the insurance industry in taking into consideration the difficulties related to this tragedy that claimants and customers have endured and will continue to endure. The acceptance of this affidavit to expedite the processing of claims and easing the burden on the families of victims is an important contribution by the insurance industry in assisting those affected by this crisis and its aftermath.