- 1
Go to the funeral home and request the death certificate of the loved one that passed away. The death certificate will usually cost between $5 and $20. It will take anywhere from 3 to 4 weeks to receive the death certificate in the mail. - 2
Go home and sit down with the insurance policy. Circle the insurance policy number and the customer service phone number. - 3
Call the customer service number on the life insurance policy and follow the recorded prompts until you get to talk to a live person. - 4
Inform the customer rep for the insurance company that your loved one has passed away and that you are the beneficiary and that you would like to claim the life insurance money. The rep will then take down your personal information and the life insurance policy number to confirm who you are. The rep will then have you bring the death certificate in to their office or mail it in. Usually, you have to mail or fax the death certificate into the life insurance office. - 5
Mail the death certificate to the proper address that the life insurance rep gives you. If the life insurance company has any questions, they will call you. If not, you will generally get a check for the life insurance money between 4 to 6 weeks. - 6
If, you are required to go into the office, take the death certificate to the life insurance office. The life insurance rep will confirm the death and that you are the beneficiary. Once everything is confirmed, the insurance company will mail you the life insurance money or deposit the life insurance money into your bank account within 2 to 4 weeks.
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