What to do When the Life Insurance Policy Holder Dies?

If the insured person of a life insurance policy dies, the beneficiary should contact the life insurance company to make a claim on any life insurance policy that insured the person who passed away.

When you purchase life insurance you should keep your policy in a safe, fireproof location. And, let your beneficiary know you have life insurance, where the policy is located, and how to make a claim should you pass away.

When the beneficiary contacts the insurer the beneficiary will be advised the insurer will send some paperwork to the beneficiary which needs to be completed. In addition, the beneficiary will need to mail to the insurer an original death certificate of the insured person.

Upon receiving the necessary paperwork, the insurer will review the information and determine if the life insurance policy was "In Force" and the cause of death of the insured was covered by the policy.

Once the insurer approves payment of the claim, a check will be mailed to the beneficiary.