Have You Checked Your Blind Spot?

Stop driving blind. Delayed death detection leads to fraud, overexposure, and reputational risk.

Because Getting It Right Means Everything

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Policyholders trusted you to protect their home, their legacy, their future. When they pass away, how you respond defines the trust they placed in you.

Most personal lines Property & Casualty systems are designed for the living—not the reality of death. As a result, critical events often go undetected. It’s a blind spot that exposes insurers to unnecessary and hidden risk.

It’s Not Just About Knowing They’ve Died—It’s About Knowing in Time

Late death notifications don’t just cause administrative headaches. They ripple across every facet of your business—finance, compliance, claims, customer experience, yet many carriers still rely on outdated data or reactive processes. The consequences are real, and they add up fast. Here’s how undetected deaths drive risk and how CertiDeath® changes the game.

From Overlooked to Overexposed:

The Risk of Late Death Awareness

See how leading carriers are solving the problem before it costs them more:

1. Claims Paid on Invalid Policies

Scenario: A claim is submitted on a policy that should have lapsed upon the policyholder’s death; however, the insurer didn’t know the policyholder had passed away.

Risk: Undetected deaths may result in continued coverage under policies that should have been terminated, increasing exposure in high-risk states for natural disaster-related catastrophic losses (e.g., FL and CA). These unidentified deaths can also lead to payouts on policies that are technically invalid and premium fraud, creating a potential burden for insurers in market conduct surveys to demonstrate consistent practices.

CertiDeath Impact: Flags deaths as soon as 5–7 days, enabling timely policy suspension or review. Help prevent premium fraud, claims on invalid policies and limits exposure in high-risk states (e.g., FL and CA) where catastrophic losses are more likely.

2. Misclassified Property Use After Death

Scenario: A home is inherited but used differently (e.g., rented out), and the insurer remains unaware of the policyholder’s death.

Risk: Major claims are paid under outdated underwriting assumptions.

CertiDeath Impact: Early death alerts trigger policy reviews that ensure occupancy, use, and ownership reflect current risk, and in turn, coverage is adjusted accordingly.

3. Fraudulent Claims on Inherited Personal Property

Scenario: Personal property is inherited, and heirs file questionable claims (e.g., “lost” or “stolen” items) on policies that should have been reevaluated.

Risk: High-value payouts are made on misrepresented or unverifiable losses.

CertiDeath Impact: Much earlier death identification initiates review before claims are paid, preventing fraud and ensuring only eligible property is covered.

4. Unnecessary Blanket Cancellations in High-Risk Regions

Scenario: In regions prone to high mortality or fraud risk, such as areas with large senior populations, insurers may default to blanket cancellations or non-renewals to limit exposure. Without timely death identification, it’s difficult to know which policies remain viable. This lack of precision can lead to the unnecessary termination of active, legitimate coverage.

Risk: Blanket actions increase exposure to legal challenges, regulatory pressure, and reputational damage particularly when valid policies with acceptable risks are swept up in broad actions.

CertiDeath Impact: Timely, accurate death data allows insurers to act with precision – whether canceling, re-underwriting, or adjusting policies individually. This minimizes fraud and financial risk, while also ensuring eligible policyholders retain coverage that might otherwise have been withdrawn from the market.

Smarter, Faster, and More Informed Decisions Start Here

Timely death data and precision aren’t just “nice to have,” they’re essential for today’s leading P&C carriers. Death data doesn’t have to be a blind spot. With CertiDeath, you get:

  • Earlier mortality detection in as little as 5–7 days
  • Better data integrity and cleaner portfolios with access to our propriety database that includes 150M+ confirmed deaths drawn from 40,000+ sources, including obituaries, state records, the Social Security Death Master File (DMF)
  • Seamless integration with policy admin and fraud systems
  • Accurate exposure management
  • Actionable alerts that support proactive risk management to prevent fraud before it starts
  • Operational integrity and customer trust

Because in this business, getting it right means everything. Protect your portfolio. Reduce your risk. Stay ahead of fraud. Let CertiDeath help transform your blind spot into a spotlight.