Most people assume that when a person who has life insurance dies, the beneficiaries automatically get a check in the mail as payment on the insured person’s death benefit. Nothing can be further from the truth. The insurance company must be notified that one of its policyholders has died; usually, that notification must be in the form of certified copy of a legal death certificate with an embossed seal. Although executors of estates usually take care of these matters, that’s not always the case. So if your loved one dies and you know that he or she has an active insurance policy, be sure to follow up so that the beneficiary can receive the benefit. If you need to get official copies of the death certificate, you can usually get copies for a small charge from the funeral home or whomever handled the burial or cremation.
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