If you ever go missing, your family needs to file a missing FIR and if you are still missing after 7 years of doing that, then they can file a death claim.Here are the steps they need to follow to do so:File a missing FIRObtain a Non-Traceable Report from the police if you are still missing after 7 yearsSubmit it to get a court orderGet a death certificate issued by the court and submit it to the insurerYour family needs to remember that your term policy premiums need to be paid till the time they can file a claim otherwise the policy can become inactive. If there is sufficient proof that you passed away many years ago, then the insurer will refund the premiums paid after the date of your actual death.Find out in detail what happens to your term insurance plan if you ever go missing.