Summarize:

The first step in filing a life insurance claim is to get copies of the death certificate. In general, completing and filing the death certificate is the responsibility of the funeral director. Depending on the cause of death and whether an autopsy is performed, it can take up to 12 weeks for the final death certificate to be ready. The funeral home will give you up to ten copies at no charge. If you need more copies, you can order them directly from the state. There may be a charge for this service. Once you have the policy information and death certificates, contact each insurance company to find out the appropriate claim procedure. If the insurance was purchased through an agent, s/he can help you deal with a life insurance company. Life insurance policies can be in effect for decades before the death of the insured. Over time companies may be bought and sold or merged. If you find insurance documents, but the contact information is no longer valid, contact the state Insurance Commission. They can help you research which company is responsible for the policy and give you up-to-date contact information. Each insurance company will have its own rules and methods. Some may accept online claims. Many will require that you fill out and submit a hard-copy claim. It is critical that you follow the claims instructions carefully. Submit all requested information and attachments. As the beneficiary, you may be required to submit proof of your identity. Failure to follow established procedures may lead to delays or rejection of your claim. If the cause of death was violence (such as suicide or homicide), the claim may be delayed pending completion of a police investigation.
Obtain a certified death certificate. Contact the life insurance companies. Complete the claim procedures.