How do you file a life insurance claim?

This answer is about Life insurance.

Step 1 — Locate the policy

Look for the policy document, premium statements, or email confirmations from an insurer. If none can be found, use the NAIC Life Insurance Policy Locator to search participating insurers for policies naming the deceased.

Step 2 — Contact the insurer and request a claim form

Call the insurer's claims department or use their website. They will send a claimant's statement (the claim form) and tell you exactly what documentation is required for that specific policy.

Step 3 — Submit the claim documents

• Completed claimant's statement / claim form for each beneficiary.
• Certified copy of the insured's death certificate (originals or certified copies — plain photocopies are usually not accepted).
• The policy document if you have it (not always required).
• Any additional information the insurer requests (for example, an autopsy or coroner's report if requested).

Step 4 — Choose a payout option

Most beneficiaries take a lump sum, which is generally federal income-tax-free. Insurers may also offer interest-only, fixed period, fixed amount, or life-annuity payouts — the interest portion of any of these options is taxable.

Timing and contestability

For straightforward claims, insurers commonly pay within 2–4 weeks (confirm). If the insured died during the contestability period — typically the first two years the policy was in force — the insurer may investigate application statements before paying, which can extend the timeline.

If a claim is denied, request the denial in writing with the specific reason and policy language, and contact your state department of insurance if you believe the denial is improper.