Who Can File A Claim For Life Insurance? 
I actually just did this for a client . I had sold a gentleman a policy a number of years ago . He unfortunately got sick , and eventually passed . His wife called me up and wanted to know what to do . I called the carrier on her behalf and initiated the claim . The first thing the claims representative did was stop the automatic drafts of the premium from their checking account . That is a good move . Even amidst their grief , spouses in mourning still dont want to waste any money . They want the benefit . Towards that end , the claims rep then mailed the widow her claims kit . She , as the beneficiary , must file the claim . If for some reason she had been in capable of doing so , then a custodian or other appointed person would do it on her behalf . It took about a week , and she did get the kit . It was pretty simple . Obviously , a copy of the death certificate would have to be filed with the paperwork . Funeral homes are typically on top of this . They often encourage the grieving survivors to purchase a number of copies . They know that all sorts of institutions require it when settling that the estate of the deceased . I have found my involvement in expediting life insurance claims for clients to be some of the most powerful emotional experiences of my life . One in particular stands out . I had sold policies to a young couple . A number of years afterward , she became tragically distraught and overwhelmed . She committed suicide . These folks were my friends , and this made it double-hard to get involved . Her husband was so upset he couldnt even complete the claim form . I had to do so for him and just prepare it for his signature . Whew . I could tell you more stories like this . But such is the life of a life insurance salesman . Brokers do not have to be the ones to expedite the claims . Any friend or family member could do it . They can order the paperwork , and holds the beneficiarys hand during the process . But the beneficiary has to be the one to file the claim . Nobody likes to go through this . But , that is why you buy the policy . Want to keep learning ? Check out my blog : Planrisklive.com 