by 
The Curious Bag
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Most life insurance companies are sensitive to the sorrow of people grieving the recent passing of a loved one, so only a few pieces of information are needed for a life insurance claim.
Death Certificate
Obtain certified copies of the death certificate and physician's certificate attesting to the death of the insured. Funeral directors are often very helpful in locating these documents.
Insurance Agent
Contact the agent who sold the life insurance policy if you can. The agent often has a copy of the policy and can help you gather other information needed to expediently file a claim.
Insurance Policy
Find the issuer's phone number in the policy. If it is a term policy, ensure that the covered term is not expired, and then call the issuer to ensure that the policy has not lapsed for lack of payment or some other reason.
Claim Form
Request a claim form from the insurance agent or the policy issuer. Complete the claim form exactly as instructed, and return it to the company.
Proof of Identity
With the claim form, submit copies of an identification document demonstrating that you are the beneficiary of the policy. The issuer will want to ensure that you are the correct payee for any death benefit paid.
Source:
How Do I File a Life Insurance Claim
How to File Life Insurance Claims
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