A reasonable evidence test is an investigation carried out by insurers when a life insurance claim cannot be fulfilled following a death because there is no death certificate. The insurer will examine the cirumstances surrounding a death during a reasonable evidence test, to assess whether it is reasonable to assume that death occurred, even if there is no body or a death certificate. Using a reasonable evidence test speeds up payment as without a death certificate beneficiaries have to wait seven years.

See also: Financial Services, Life Assurance