1. Jerry Vanderzanden, CLU, ChFCPRO
    Co-Founder, Coastal Financial Partners Group, California
    In the context of a death claim, for policies inforce for more than two years, routine death claims can take as little as a week from the time they receive a copy of the death certificate. Some insurance companies take longer. Policies less than two years old are within the contestability period and are investigated more thoroughly which takes longer.

    Policy withdrawals or loans against the cash values of a permanent policy typically take approximately a week or two from the time the insurance company receives the request.
    Answered on April 12, 2013
  2. Peggy MacePRO
    President and Senior Agent, Outlook Life, Most of the U.S.
    It can take from a few days to a couple of months to get a check from life insurance. You first need to request a claim form, fill it out, and return it to the insurance company with a certified death certificate. The amount of time it takes for them to process the claim and send you the check is a few business days to a couple of months.
    Answered on June 26, 2013
  3. David RacichPRO
    Fountain Hills, Arizona
    A death claim needs the required documentation such as the death certificate, newspaper obituary and the life insurance death benefit submittal form. Once those documents are in the home office of the issuing life insurance company it should take 30-60 days to receive the death benefit proceeds.
    Answered on June 26, 2013
  4. Peggy MacePRO
    President and Senior Agent, Outlook Life, Most of the U.S.
    If the paperwork is filled out completely and a certified death certificate is included with the paperwork, a life insurance claim can go through within a few weeks. However, even if there are problems, it is important for the life insurance company to get the check to the beneficiary within a couple of months. State regulators monitor this to be sure beneficiaries are paid in a timely manner.
    Answered on November 6, 2013
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