How Long Does It Take To Pay Out On A Contested Life Insurance Policy? 
That is a great question ! One I 'm sorry that you have to ask ... I 'm sorry for your loss . Each Stat 's Department of Insurance will have in its codes the specified time limits for filing claims , beginning the processing , and for making the payments . You may want to look there for your answer . The fact that your loved one passed so soon after purchasing the policy is always a red flag for the insurer , their first assumption is that there was a desperate health issue that led to the purchasing of the policy , and perhaps some dishonesty in the application answers . That is certainly not always the case , but that is how they treat it . They will ask for Doctor 's statements , coroner 's or autopsy reports , police reports , whatever documentation they need to determine if the timing was coincidental , or expected . Once they 've received all of the documentation , the process moves pretty quickly . I 'd expect the process to take between 6 weeks and 90 days , maybe longer , maybe sooner , depending upon how quickly everything is received . In any case , you will receive a payment for some amount . It will either be for face value of the policy , if they find in your favor , or for what had been paid in premiums over the length of time the policy had been issued , and some amount of interest , if they do n't . Should the latter be the case , you do have the right to appeal , but you 'll need a good lawyer and some money to outlast the insurer 's lawyer and overturn the decision . If you feel that you 've been wronged by them , you have the right also to file a complaint with the State . If you do so , be nice to your agent , because unless they advised you to misrepresent the truth , or have you apply fr something that was n't appropriate , I can guarantee you they had no part in the decision that was made by the company , In fact , they will have been asked for a statement also , and would have had to tell their impression of your loved one 's health . I 'm sorry for your loss , and I hope everything works out for you . Thank you for asking ! 