What Happens to Your Life Insurance Account When You Die
Quick Facts
Deadline
File within 30-60 days
Difficulty
Moderate
Key Info
Pays directly to beneficiary, not the estate
Step-by-Step Guide
Document all policies
List every life insurance policy: company, policy number, face amount, and named beneficiary.
Estimated time: 15 min
Locate policy documents
Find and store actual policy documents. Check with your employer for group life insurance too.
Estimated time: 15 min
Check employer group life
Most employers provide 1-2x salary in group life insurance. Contact HR to file this claim.
Estimated time: 10 min
Beneficiary files claim
Named beneficiary contacts each insurance company with Death Certificate and policy number to file the claim.
Document Now Checklist
- Insurance companies
- Policy numbers
- Face amounts
- Named beneficiaries
- Employer group life details
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Life Insurance. This guide is for informational purposes only and does not constitute legal advice.
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