1. J Scott BurkePRO
    President, Newbury Inc., Evansville, Indiana
    It varies depending on the company and type of coverage. With most policies you can't file the claim until you have a certified death certificate. That can take from 2-days to 45-days to get. Then most life insurance companies will pay the claim within 30-days of receiving the death certificate and claim form.

    Some companies that specialize in funeral insurance coverage pay the claim within 2-days (usually within 1-day) with no death certificate needed.

    If you die within 2-years of taking out the policy, it will be contestible and that will slow down the claim process.
    Answered on April 9, 2013
  2. Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Usually it doesn't take long to receive a death benefit check. First a claim form must be completed and returned to the insurance company, along with a certified copy of the death certificate. Certified copies of a death certificate can take a few days. Once a company receives the outstanding requirements, they will process and issue a benefit check. The check will include interest earned from the date of death to the date of issue of the check. Payment of proceeds are usually done as quickly as possible as most states have requirements insurance companies must follow in these situations.
    Answered on April 9, 2013
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