Long Does Take Get Life Insurance After Someone Dies? 
Most companies do try to pay claims within 30-days of receiving the certified death certificate and claim form . Some things that can slow down the claim are : 1 . Doctors who take weeks to sign off on the cause of death . 2 . If an autopsy is performed it can greatly slow things down as you have to wait on lab results . 3 . A funeral director could slow up the death certificates if he does n't apply promptly . 4 . If the life insurance policy is less than 24-months old it will always take much longer because the policy is contestable and they will review all medical records . This can add months to the claim . True funeral Preneed insurance will pay within 24-hours and the lack of a death certificate does not slow down the claim . A couple of final expense companies have adopted this claims process also . If you need your money quicker and the policy is more than 2-years in force , any funeral home can work with an assignment company and get your life insurance money for you within 48-hours but a fee of 3 % or more must be paid to the assignment company . 