If the policyholder passes away, the nominee or legal heirs need to claim the death benefits offered by the policy. To file a life insurance claim, the first thing you’ll need is multiple copies of the death certificate. If you’d purchased the policy through a representative, you can then reach out to your agent, who will help you fill out the necessary forms and submit the claim on your behalf. Another way to do this is to directly visit the branch office, fill out the forms yourself, and submit the claim to the insurer. Some companies also offer the option of filing a claim online.