The death of the insured needs to be informed to the insurance company either directly or through the insurance agent who sold the policy to the insured. Contact details are usually given on the insurer's official website. The insurance companies have death claim forms that need to be filled up and submitted to them along with a list of documents.

The company will carry out its own survey before paying the nominee the sum assured.

If the insurer is satisfied with a claim, it pays the settlement; if there is doubt, the insurer may ask the claimant to submit more documents.

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