File a Life Insurance Policy Claim
When the person you love dies, you need to make sure you do the right steps to file for a life insurance policy claim. In most cases, the family’s financial future depends on what you do next; you need to be sure that you are filing the claim properly to get the benefits as soon as possible. 
First things first; see if you can find the actual life insurance policy documents or paperwork. Your spouse should have told you where he or she kept the insurance policy. It would be best to hold a copy of your spouse’s life insurance plan yourself so you wouldn’t have to go through all the trouble of finding the insurance plan.
If you can’t find the insurance policy, try to contact the agent your loved one was using or simply contact the government’s insurance-regulating body to get all the information you need. Contact the insurance company to tell them that your loved one is dead and you need to file for life insurance policy claim.
The insurance company will then give you a set of forms to fill out. Provide all the required information fully and make sure the information you are giving are all valid. Some documents need to be attached to the form as well.
Last but not least, provide a certified copy of your loved one’s death certificate and send it to the insurance company with your life insurance claim form. The company will review your form and notify you if your claim is accepted.
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