First, in order for the life insurance company to get started in the process of paying a death claim they must be notified by a beneficiary that an insured person has died.
So, you need to find the life insurance policy or policies), contact the life insurance company and advise them that one of their insureds has died, and that you want to notify them of a death claim.
The life insurance company will ask some questions about the insured, their policy number, and when the insured person died. Also, they will mail you paperwork that needs to be completed and returned along with an original death certificate.
Once the insurance company has received all the necessary paperwork completed by you, they will process the claim and mail out the check for the death benefit you are owed as a beneficiary to the life insurance policy.
Usually it takes about 7 to 10 days to receive the check in the mail from the life insurance company once they have received all the necessary paperwork and reviewed the claim.