Usually a company is notified of the death of a policyholder by the insured's beneficiaries. The beneficiary notifies the company and the company sends the beneficiary the necessary forms to complete.
The beneficiary sends the completed form to the company along with a certified copy of the death certificate. They may also send in a newspaper death notice or obituary to get things started on the claim.
Your beneficiary will be owed money from the insurance company. That is usually motivation enough for the beneficiary to file a claim form.
The first notification usually comes from a funeral director. He will request claim forms from the insurance company. A few companies will actually pay the claim just from the funeral directors notification. But most will require a certified death certificate first.
Your primary beneficiary will have to contact the agent or life insurance company to make a death claim. This usually consists of filling out a few forms and providing a certified copy of the death certificate. Once the life insurance company has these documents, everything should process within a couple of weeks depending on the carrier and the benefit check will be cut and paid tax free in most cases.
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The beneficiary sends the completed form to the company along with a certified copy of the death certificate. They may also send in a newspaper death notice or obituary to get things started on the claim.
The first notification usually comes from a funeral director. He will request claim forms from the insurance company. A few companies will actually pay the claim just from the funeral directors notification. But most will require a certified death certificate first.