The named beneficiaries are the ones to file a claim after the policyholder's demise; nonetheless, a family member, trustee, or estate lawyer may also file the claim. Funeral homes can also file in case the proceeds are to cover the burial costs. However, regardless of who files the claim, only the beneficiaries can collect the policy's benefits. While the requirements on what to provide when filing a claim generally vary from insurer to insurer, most insurers require named beneficiaries to provide: The policyholder's social security number The policyholder's date of death and birth Cause of death Death certificates Identity of the funeral home A copy of their government-issued ID, such as passport or driver's license With some insurers, you can submit the claim online or via the phone, but others can only allow you to submit it through snail mail.