How Long Does Life Insurance Money Take To Get? 
In Ohio , upon receipt of a written proof of loss , the insurer must pay death claims immediately -LRB- most states interpret this to be within 30 days . -RRB- Check your state law to verify . If there is no beneficiary named in the policy , the death proceeds are paid to the estate of the insured . An insurer can not delay the payment of a death claim until the settlement of the estate of the insured has been completed . 