Can several beneficiaries file separately?

Each beneficiary may need to submit their own claim materials for their share. For this insurance planning decision, the insurer may review the application, policy status, beneficiary identity, and cause of death before payment. As part of the policy review, a life insurance claim generally requires notice of death, a claim form, and a certified death certificate. Beneficiary decisions work best when the insurer's form is checked against the rest of the estate plan, because the designation on file with the insurer generally controls who receives the policy proceeds.