I have filed a claim on a life insurance policy. It has been almost 3 months and the insurance company .....?

There are a couple of factors to consider here. Was the life policy less than 2 years old when you filed the death claim? If so it is considered to be in the 'contestable period' where any insurance company can take their time to investigate and process your claim. If they don't find anything out of sorts, they will eventually pay it.

It the policy was older than 2 years old, then no matter the cause of death, they should pay the claim.

I suggest you contact your states' Department of Insurance and file a complaint (many states have forms on-line) against the life carrier to get things moving for you. Try www.naic.org to get to your states' department of insurance link and contact info.

If that doesn't work then you may need to contact an attorney.

Contact the claims department of the company and ask them if there is a reason why it is taking so long. How did the person die?

If the policy is less than 2 years old it is still contestable by the insurance company. Regardless, they should be able to provide feedback to you and let you know why it is taking this long.

Before hiring a lawyer, contact the state first and file complaint so they become involved and help you.

It is a long time. The big question is, what's the holdup. For a life insurance policy, the most likely holdup is if the policy is less than 3 years old, and there's a possibility that they are contesting the claim due to misrepresentation on the application. That means, they think the insured person lied on the application, and they are trying to get medical records to see if they can verify that.

You can call them, and ask them what the holdup is, and what's the time frame when you can expect payout. You can ALSO ask them for an advance on the payout.

I hate to tell you this but the insurance company can take however long they want to pay you on your claim. The only laws regarding timeliness involve how long the claimant (you) has to file his or her claim before being barred from filing at all. These are called the Statute of Limitations. Have patience, it will come.

I would call and ask what you can do to speed up the process. Do you have any idea what is delaying the claim? Are they investigating the death of the insured?

They will pay interest from the date of death to the settlement date.

definitely contact your states insurance board and file a complaint asap. once they get a call from them and start an inquiry you should see a check. make sure when you report them you have all your info: office, agent, company, policy number. good luck, and sorry to hear about your loss....peace

Your state regulates insurance companies. Find the agency in your state that governs that, typically Commerce.

Insurance companies always take their time to pay you. They are porbably investigating the death to validate you are entitled to the money.