Once you have passed away, your beneficiary would need to contact your life insurance carrier and make a death claim on your life insurance policy in order to receive the death benefits on your life insurance.
That's why it's so important to make sure you let your beneficiary know that you own a life insurance policy, where the insurance policy is located, and what to do once you've died - so your beneficiary can get the proceeds from your life insurance. Otherwise, they may never know you had life insurance, and no claim would be made.
Learn more about how life insurance works after you die.