Published · Get Life Quotes Today
How to file a claim
The beneficiary starts the process. The insurer does not pay automatically.
- Contact the insurer or the agent to report the death
- Complete the claim form
- Send a certified copy of the death certificate
- Choose how to receive the money, usually a lump sum
What causes delays
A death within the first two years of the policy lets the insurer review the original application, which takes time. Missing documents, an unclear or outdated beneficiary designation, a minor named as beneficiary, and deaths under investigation also slow things down.
How to make it faster for your family
Keep beneficiary designations current. Tell your beneficiaries that the policy exists and where the paperwork is. Order several certified copies of the death certificate, since each insurer and bank will want one.
Common questions
Is there a deadline for the insurer to pay?
States set rules on how quickly insurers must act on a claim, and many require interest on late payments. Your state insurance department can explain the rule where you live.
Is the payout taxed?
Death benefits are generally not subject to federal income tax for the beneficiary. Interest paid on a delayed claim can be taxable. Ask a tax professional about your case.
This page is general information, not insurance, legal or tax advice. Policy terms, eligibility and pricing vary by insurer and state. A licensed insurance agent can explain the specific products they offer.