How Long Does A Life Insurance Check Take To Clear? 
The check will clear just like any other check you put in the bank . Around 5-days is safe . As far as how long to pay a claim ... It varies depending on the company and type of coverage . With most policies you ca n't file the claim until you have a certified death certificate . That can take from 2-days to 45-days to get . Then most life insurance companies will pay the claim within 30-days of receiving the death certificate and claim form . Some companies that specialize in funeral insurance coverage pay the claim within 48-hours with no death certificate needed . If you die within 24 months of taking out the policy , it will be contestible and that will slow down the claim process . 