What document is NOT typically required when making a claim for life insurance?

In the context of making a claim for life insurance, a last will and testament is not typically required as part of the claims process. The core documents usually requested focus on verifying the death and the legitimacy of the claim.

A death certificate is essential because it serves as formal proof of the policyholder's death, which is the triggering event for the claim. The claimant's statement is important as it collects necessary information about the circumstances surrounding the death and the claimant's entitlement to the payout. An insurance policy return may be necessary to confirm that the policy was in force at the time of death and to verify the coverage details.

While a last will and testament can provide useful information regarding the deceased's wishes and the distribution of assets, it is not a required document for processing a life insurance claim. Instead, the focus is primarily on documents that confirm the cause and circumstances of death, as well as the claimants' rightful claims to the policy benefits. Therefore, the correct choice emphasizes the documentation that is specifically relevant to the claim itself rather than the broader estate planning context.