Who Can File A Claim For Life Insurance? 
life insurance claims are usually filed by the immediate family members , or benificiaries who are of legal age . When the policy is sold a folder is given along . with papers in order to identify where the policy information is kept . Depending . on the agent and company . Life policies are equivalent to wills are very involved in the estate . If you dealt with a good agent then you would have been assisted with this form of estate planning . The policy is mentioned in the will or there is a known location as to where the policy is kept . The claimants must be the beneficiaries of legal age . If the beneficiaries are under the legal age are named then the probate will handle the claim.until they become legal . It is always best to name a beneficiary of legal age if you have younger children for this reason . . Beneficiaries can be changed anytime during the policy and only by policy owner . 