Life clm 1010-2025

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The beneficiaries will never receive payment if they do not claim the life insurance benefits. The money can remain with the life insurance company for a certain period, but as you will see below, the life insurance company does not keep the money forever.
In general, life insurance companies that know an insured has passed, but cannot locate the beneficiaries of the policy, are required to turn over the benefits of the policy to the states unclaimed property office if the benefits are not claimed after a certain number of years.
There is no time limit on receiving life insurance death benefits, so dont worry about filling a claim too late. To file a claim, you can call the company or, in many cases, start the process online.
Whatever you do, dont name the child as the beneficiarythe law prohibits anyone from receiving a life insurance payout if they arent the age of majority (which could be 18 or 21 depending on your state). Consult with an attorney if you have a disabled or special needs child.
The state will hold onto the funds until an heir can be found or a certain amount of time has passed. If no beneficiary comes to claim the property, the funds may be used by the state. Each state and institution has a slightly different process for managing unclaimed money.
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