When Someone Dies How Does Life Insurance Work?

If a person who is insured by a life insurance policy does their beneficiary would need to contact the life insurance company to make a "Claim" against the life insurance.

The beneficiary is the person or people chosen by the insured to receive the payout from the life insurance policy.

Upon contacting the insurance company, the insurer will let you know that they are sending you forms to fill out to make your claim. In addition, they may require a notarized death certificate of the insured person.

Once the insurance company receives the required information from you the beneficiary, they will process the claim and send you a check for the payout from the life insurance policy.

It usually takes anywhere from 10 to 14 days to get your death benefit payout from the life insurance carrier once they have received all required documentation.

When you contact the life insurance carrier to make a claim you will need the name of the insured person and the policy number so they can verify that the life insurance policy was "In Force" when the insured person died.