Filing a life insurance claim should be straightforward—but for many grieving families, the process becomes overwhelming, frustrating, and sometimes unfair. While we are not affiliated with any insurance company, our legal team has handled hundreds of claims involving major insurers. We’ve seen firsthand how beneficiaries are often misled, confused by the process, or delayed without explanation. If you have a Montana life insurance policy dispute call us.
This guide will walk you through the life insurance claims process step-by-step, explain how to avoid common pitfalls, and show you what to do if your claim is delayed or denied.
The Truth About Insurance Providers
Life insurance companies are in the business of risk—and profits. They collect billions in premiums annually, but only pay out a fraction in claims. While some claims are processed smoothly, insurers often scrutinize high-value claims closely or search for reasons to delay or deny payouts. That’s why it’s critical for beneficiaries to approach the claims process with preparation and persistence.
Step-by-Step: How to File a Life Insurance Claim
1. Notify the Insurance Company
Start by contacting the insurer’s claims department. Even if you found the policy online or through an employer, call the company directly and ask to speak to a claims agent. They will walk you through the steps specific to that policy and let you know what forms and documents you’ll need.
Many providers have online portals, but speaking with a representative first helps you avoid mistakes that can trigger delays.
2. Gather Required Information
Before submitting anything, gather the following details:
Policyholder’s full name and date of birth
Life insurance policy number (if available)
Social Security number of the deceased
Date and location of death
Contact details for the funeral home or medical examiner
Proof of your identity and beneficiary status (such as a government ID or relationship documentation)
Original or certified death certificate
Having all this information ready helps prevent the claim from being returned for missing documentation.
3. Submit the Claim Form
Once you’ve completed the claim packet—whether online or by mail—submit it with all supporting documents. Include the certified death certificate and any other required paperwork, such as proof of insurable interest or your legal relationship to the policyholder.
Always make copies of everything you send and track the delivery if mailing physical documents.
4. Follow Up Consistently
After you file, don’t assume everything is moving forward. Claims departments are often backlogged, and delays are common. Follow up within 7–10 business days to confirm receipt, and ask when a decision will be made. If the company requests additional documents, provide them quickly—but document every exchange.
5. Watch for Red Flags
Be on alert for signs your claim is being unnecessarily delayed. These may include:
Repeated requests for the same documents
Vague responses about the status
Shifting explanations for delays
No updates within the legally required timeframes
Under most state laws, insurers must investigate and process a claim within 30 days, or provide written notice with a valid reason for delay. If they fail to do so, they may owe interest—and you may have grounds to escalate the matter.
If Your Claim Is Denied or Delayed
Sadly, some claims are denied outright. The most common reasons include:
Alleged material misrepresentation on the application (such as failure to disclose a medical condition)
Policy lapse due to unpaid premiums
Cause of death excluded by the policy, like suicide within the first two years or alcohol-related incidents
Missing documentation or beneficiary disputes
In many of these situations, the insurer’s denial is not final—and may even be incorrect or unlawful. If your claim was denied or is stuck in limbo, consult a life insurance attorney immediately. The insurer is counting on you to walk away. Don’t give them that advantage.
How Our Life Insurance Lawyers Can Help
We’ve helped hundreds of beneficiaries across the country recover millions in wrongfully denied or delayed life insurance claims, including those involving complex disputes, employer-sponsored group plans, and accidental death policies.
Our attorneys:
Investigate the insurer’s stated reason for delay or denial
Demand full documentation of the claim file
Submit detailed legal appeals or file suit when necessary
Handle communication with the insurer so you don’t have to
We understand the tactics insurers use to protect their profits—and we know how to fight back effectively.
Get the Help You Deserve—Starting Today
If you’re dealing with a life insurance claim delay or denial, don’t let the insurer control the outcome. Contact us today for a free consultation. We’ll review your case, explain your rights, and take immediate action to secure the benefits your loved one intended for you. You pay nothing unless we win.
Let us help you take the burden off your shoulders—and get the compensation your family deserves.