How to file a life insurance claim
The steps a beneficiary takes to collect a death benefit.
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1
Locate the policy
Find the policy document or contact the insurer with the policy number.
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2
Get certified death certificates
Insurers require an official certified copy, sometimes more than one.
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3
Submit the claim form
Complete the insurer's claim form and provide the death certificate.
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4
Choose a payout option
Most beneficiaries take a lump sum; some insurers offer installment options.
Educational content only — not legal, financial, or insurance advice. Requirements vary by state.