How does final expense insurance work? 

How do I file a death claim?

1. Once the insured/policyholder dies a death certificate and death claim application is submitted to the insurance company.
2. The insurance company will pay the claim within 24-48 hours.
3. The check will be issued either to the beneficiaries and the funeral home or solely to the beneficiaries.
4. If the check is issued to both the funeral home and the beneficiary, the beneficiaries must sign the check and give it to the funeral home.
5. If there is money remaining, after the funeral is paid, the funeral home will give the balance to the beneficiary.
6. If the check is issued to the beneficiary, they should pay the insureds final expense, funeral cost and use any remaining the money for their needs.