How do I file a life insurance claim after a loved one dies?

Filing is usually straightforward. Locate the policy and contact the insurer to request a claim form (sometimes called a claimant's statement). You will submit that form along with a certified copy of the death certificate; for larger policies or a death within the first two years (the contestability period), the insurer may investigate before paying. Each named beneficiary generally files separately. Benefits are typically paid within a few weeks once the paperwork is complete, either as a lump sum or, if elected, in installments. If you cannot find a policy, check bank records for premium payments, employer benefits departments, and your state's unclaimed-property database, or use the NAIC's free life insurance policy locator service. Keep copies of everything you submit.