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how to file a life insurance death claim if you have a life insurance policy its important for you to talk to your loved ones about its details if its still enforced at the time of your death your beneficiaries can submit a claim with the appropriate documents there isnt a time limit on how long you have to file a life insurance claim and the process is quite simple it can take between 30 and 60 days for the insurance company to process a claim it can take longer if the policyholder died within the contestability period which is the first two years of owning the policy or if your death was caused by suicide lets review the steps needed to submit a claim number one contact the life insurance agent or the insurance companys customer service department the beneficiary will need to notify the insurance company or agent of the policyholders death if theres a group life insurance policy contact the employer they will guide you through the process and indicate which documents you need