How does a life insurance claim work?

To file a claim, the beneficiary contacts the insurance company and submits a completed claim form along with a certified copy of the death certificate. The insurer reviews the claim to confirm coverage was in force, the cause of death is covered, and the beneficiary is correctly designated. Most straightforward claims are paid within 30 days. If the insured died within the contestability period (first two policy years), the insurer may investigate more thoroughly before paying.