When you’re ready to file a claim, having clear instructions can make all the difference. We walk you through the process, outline what documents you’ll need, and explain what to expect — helping you move forward with clarity and peace of mind.
Who Can File a Life Insurance Claim?
Life insurance benefits are paid to the beneficiary or beneficiaries listed on the policy. Beneficiaries can include a spouse, children, trust, estate, or other named individuals or entities. In many cases, the executor of the estate or the named beneficiary can file the claim on behalf of the policyholder.
If there are multiple beneficiaries, each can file a claim for their share of the benefit. If there is no named beneficiary, or all beneficiaries have passed away, the benefit may be paid to the policyholder’s estate, which can involve a longer process.
Step-by-Step: How to File a Life Insurance Claim
Filing a life insurance claim is usually straightforward when you have the right information prepared. Following these steps can help the process move as smoothly as possible.
1. Obtain Certified Copies of the Death Certificate
You’ll need official certified copies of the death certificate, which are typically provided by the funeral home, state vital records office, or local registrar. Most insurers require certified copies, not photocopies, so it’s a good idea to request several.
3. Complete the Claim Form
The insurer will provide a claim form, often available online. Fill it out carefully and completely to avoid delays.
5. Claim Review and Payout
Once submitted, the insurance company reviews the claim, verifies policy details, and issues the benefit. Payouts are commonly made as a lump sum, though other options may be available depending on the policy.
2. Contact the Insurance Company or Your Agent
Reach out directly to the insurance company or the agent or brokerage who helped with the policy. If available, have the policy number, the insured’s full name, and basic policy details ready.
4. Submit Required Documentation
Most life insurance claims require:
- A certified death certificate
- A completed claim form
- Policy documents (if available)
- Identification for the beneficiary
The insurer will let you know if anything additional is needed.
What Documents Are Required?
Having the right documents ready can help prevent delays and make the life insurance claim process smoother. While requirements can vary slightly by insurer, most claims will require the following:
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Certified death certificate(s)
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Life insurance policy number and policy documents (if available)
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Completed claim form provided by the insurer
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Identification for the beneficiary
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Any additional forms requested by the insurance company
Insurance companies are typically clear about what they need, but gathering these documents early can help speed up the review and payout process.
Start Your Claim with Confidence and Support
How Long Do Life Insurance Claims Take?
Most life insurance claims are processed within 1–3 weeks, but the exact timeline can vary depending on the situation and the information provided.
Timing may differ based on:
- Simple claims with complete documentation, which often move quickly
- Claims under review, such as those within the contestability period or missing required information
If you’ve already submitted a claim and are waiting for an update, the insurance company should be able to provide a status update upon request.
How Are Life Insurance Benefits Paid?
Life insurance benefits can be paid in several different ways, depending on the policy and the beneficiary’s preference.
Common payout options include:
- Lump sum — A single payment (most common option)
- Installments — Payments made over a set period of time
- Interest-bearing account — Funds held by the insurer while earning interest
- Split payments — Benefits divided among multiple beneficiaries based on policy percentages
The payout option you choose can affect financial planning and tax considerations, so it’s a good idea to review your choices and ask the insurer for details before making a decision.
Filing a life insurance claim doesn’t have to be confusing. If you need help identifying the right forms, locating your policy, or understanding a claim decision, you can get a quote online or call us at (800) 442-9899 to speak with a licensed advisor who can guide you through the process.
Filing a Life Insurance Claim: FAQs
What does it mean to file a life insurance claim?
Filing a life insurance claim means formally notifying the insurance company that the insured has passed away and requesting payment of the policy’s death benefit to the named beneficiary or beneficiaries.
Who can file a life insurance claim?
Only the named beneficiary (or beneficiaries) listed on the policy can file a claim. If no beneficiary is listed, the claim is usually filed by the executor of the insured’s estate.
How do I file a life insurance claim?
The general steps are:
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Contact the insurance company or agent
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Complete a claim form
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Submit a certified copy of the death certificate
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Provide any additional requested documents
Claims can often be filed online, by mail, or with agent assistance.
What documents are needed to file a life insurance claim?
Most insurers require:
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A completed claim form
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A certified death certificate
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Policy number (if available)
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Proof of identity for beneficiaries
Additional documents may be requested in certain situations.
How long does it take to receive a life insurance payout?
Most claims are paid within 7–30 days after all required documents are received. Delays may occur if the insurer needs to review medical records or clarify beneficiary details.
Are life insurance claims ever denied?
Claims are rarely denied, but denials can occur due to:
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Policy lapse from missed premiums
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Material misrepresentation on the application
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Death during the suicide exclusion period
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Cause of death exclusions
Most valid claims are paid without issue.
What is the contestability period and how does it affect claims?
The contestability period is typically the first two years of the policy. During this time, insurers may review the application for inaccuracies. After this period, claims are generally paid unless fraud is proven.
Is the life insurance payout taxable?
In most cases, life insurance death benefits are income-tax-free to beneficiaries. However, interest earned on delayed payouts may be taxable, and estate taxes may apply in certain situations.
Can beneficiaries choose how they receive the payout?
Yes. Many insurers offer payout options such as:
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Lump-sum payment
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Installments over time
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Interest-bearing account options
Most beneficiaries choose a lump sum for flexibility.
What happens if there are multiple beneficiaries?
If multiple beneficiaries are listed, the death benefit is divided according to the percentages specified on the policy. If no percentages are listed, the benefit is typically split evenly.
What happens if no beneficiary is listed on the policy?
If no beneficiary is listed, the death benefit is usually paid to the insured’s estate, which may require probate and delay the payout.
Can an agent help with filing a life insurance claim?
Yes. An agent can:
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Help gather documents
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Submit the claim correctly
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Communicate with the insurer
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Resolve delays or questions
Many families find agent support extremely helpful during this time.
What should I do before filing a life insurance claim?
Helpful steps include:
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Obtaining multiple certified death certificates
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Locating all life insurance policies
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Contacting the insurance agent or company
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Taking time before making major financial decisions
What mistakes should be avoided when filing a life insurance claim?
Common mistakes include:
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Delaying notification to the insurer
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Submitting incomplete paperwork
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Using incorrect beneficiary information
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Not asking about payout options
Careful filing helps ensure a smooth and timely payout.
