Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • It takes at least 30-60 days for a life insurance company to make a payout after a death
  • The beneficiary must file a claim and submit an original death certificate
  • If a life insurance policy is less than two years old, the payout can be delayed while the claim is investigated

Insurance companies pay claims after death, and the best life insurance companies pay as quickly as possible.

While there are no life insurance companies that pay the policies within 10 days if death occurs, most pay within 30-60 days of the claim being filed.

You can find reputable, cheap life insurance coverage even if you can’t find affordable life insurance companies that pay the policies within 10 days if death occurs.

Shop around and compare coverage and rates to find the best deal on life insurance for you.

Although you can’t get quotes from life insurance companies that pay the policies within 10 days if death occurs, you can enter your ZIP code now to compare free life insurance quotes from companies near you.

What life insurance companies pay a claim 10 days after death?

When a death occurs, many times the beneficiary needs the life insurance payout, or death benefit, as soon as possible to cover expenses. However, payment may not come as soon as you would hope.

While the process can take as few as 10 days from the date of the claim, it can take longer to file the claim.

To begin the process, a claim form must be filed. Information and documents will have to be provided, such as the death certificate, which can take time to receive and evaluate.

There are no life insurance companies that pay a policy within 10 days if a death occurs. While most life insurance companies try to process a claim as fast as possible, it usually takes 30-60 days to complete the process.

However, claims can be delayed or denied for certain reasons. It takes time for the insurance company to investigate the claim under some circumstances.

The death benefit may be delayed or denied if:

  • The policy is less than two years old
  • The insured lied when applying for the policy
  • The insured died during an illegal activity such as drunk driving
  • Certain health conditions or high-risk hobbies were omitted during the application process

If the life insurance application was not completed honestly, it can be considered insurance fraud.

According to the National Association of Insurance Commissioners (NAIC), soft fraud occurs when the policyholder lies when applying for a policy.

In addition to the time it can take for the claim to be processed, the death benefit may also be paid in different ways.

The beneficiary may receive a lump sum, installment payments, or annuities. Payments will depend on the policy and what the beneficiary chooses.

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What does a life insurance beneficiary need to know?

A beneficiary is a person the insured chooses to receive the death benefit. This is commonly the spouse or adult children, but it can generally be anyone the insured wishes.

The beneficiary is responsible for filing the claim upon the insured’s death. They would need to have an original death certificate and policy information.

There are life insurance beneficiary rules that you need to be aware of. These rules are different for each company and policy. For example, some companies require the beneficiary to have a copy of the insurance policy.

How do I know if I am the beneficiary of a life insurance policy?

In most cases, the beneficiary will be aware they are named on a life insurance policy. The policy may require specific information such as the name, address, and Social Security number of the beneficiary.

If you believe you may be a beneficiary, there are other ways you can find out. One way is by using the life insurance policy locator provided by the NAIC. It will search for your name listed on any life insurance policy in the database.

How long does a beneficiary have to claim a life insurance policy?

There is no time limit to filing a life insurance claim. If the life insurance company learns of a death, a representative may reach out to the beneficiary to start the claims process.

Life Insurance Companies That Pay the Polices Within 10 Days if Death Occurs: The Bottom Line

Life insurance companies that don’t pay the policies within 10 days if death occurs usually pay within 30-60 days of when the claim is filed.

However, there may be multiple reasons a payout is delayed, such as the policy being less than two years old.

You can’t compare rates from life insurance companies that pay the policies within 10 days if death occurs. However, you can compare free quotes from life insurance companies near you by entering your ZIP code here.