1. Start by finding the policy.
If you don't have a copy of the policy, you can contact the insurance company and request one. You'll need to provide the insured person's name, date of birth, and Social Security number.
2. File a claim.
Once you have the policy, you can file a claim. You'll need to provide the insurance company with the insured person's death certificate, as well as any other required documents, such as a proof of death form.
3. Work with the insurance company.
The insurance company will review your claim and determine if it is valid. If the claim is approved, the company will pay the benefits to the beneficiary named on the policy.
Here are some additional tips:
* Contact the state insurance department. If you have any problems filing a claim, you can contact the state insurance department for assistance.
* Get help from an attorney. If you're having trouble understanding the policy or the claims process, you may want to get help from an attorney.
* Be prepared to wait. It can take some time for the insurance company to review your claim and pay the benefits.
I hope this information helps!