Simple Steps to File a Life Insurance Claim
Obtain multiple original copies of the official death certificate from the funeral director
Contact your insurance agent to inquire about the claims process and paperwork
File the paperwork and the original death certificate with the life insurance company
At any point in the process, you should be able to reach the insurance company to obtain assistance, even if it is outside of business hours and your agent is not available.
If you cannot find a policy you believe to exist, there are a number of ways to find a missing policy.