How Long Does A Life Insurance Company Have To Pay Out? 
Usually the duration allowed for a company to pay a claim is set by each state 's office of the insurance commissioner or a similar named branch of government . An insurance company must have an established process they go through for claims payment . They can not make it up as they go . When the person handling the claim for the insured submits the necessary requirements , payment should be forthcoming . The claim check will also contain interest earned on the death benefit from the date the death occurred to the date the check was issued . If ever in a situation where you feel an insurance carrier is purposely slowing down a claim , contact your state department of insurance and file a complaint . This will greatly improve the speed of a carrier most of the time . 