Money and accounts
How do I claim life insurance?
Short answer
Call the insurer directly. Ask what they need — usually a certified death certificate and a claim form. If you cannot find the policy, check their files, email, bank statements for premium payments, or use the NAIC Life Insurance Policy Locator.
What this usually means
Call the insurer directly. Ask what they need — usually a certified death certificate and a claim form. If you cannot find the policy, check their files, email, bank statements for premium payments, or use the NAIC Life Insurance Policy Locator.
What to do next
- Start the PathAfter checklist for situation-aware first steps.
- Find California county help for coroner contacts, vital records, cost tools, and paperwork.
- Open the First 72 Hours Call Log before making calls.
- Open the Documents to Find Checklist when you are ready for paperwork.