How Does Life Insurance Work If Everyone Dies? 
Everyone does die , so do you mean all at once or a few at a time ? ; -RRB- When a person passes and they have life insurance , in order to pay a claim , the insurance company must be presented a certified copy of the death certificate . Usually it is a good idea to have several certified copies of a death certificate made at the same time , around 5 or 6 as there will be many times where a copy will be asked for.In the case of life insurance , when the death claim is filled along with the certified copy of the death certificate , an insurance company begins the process of generating a check -LRB- s -RRB- to the stated beneficiaries on that policy . The check includes any interest gained from the date of death till the date of the check being created . Normally within 5 working days checks are issued after the claim form and the other required documents are presented.So that should answer your question if everyone dies and they have insurance , but they die as they have for all time . If we all go at once ? Well ... . would it matter how claims get paid at that point ? 