The insurance company will usually send out the payment within 30 days of their receiving the death certificate. If they haven’t sent out the payment by then, it often means that they are doing further investigation into the death. This could be because of legitimate concerns, or it could be because they’re looking for some technicality to justify denying the claim.
If this happens to you, getting Morgan & Morgan involved might be a good idea. Letting the insurance company know that you have quality legal representation on your side will often serve to accelerate the process of getting that payment sent out.