What documentation is needed for a beneficiary to claim benefits after the insured's death?

To claim benefits after the insured's death, the primary documentation required is the death certificate. This document serves as an official record confirming the insured's passing, which is fundamental for the insurance company to process the beneficiary's claim. It provides clear evidence that the event triggering the insurance payout has occurred.

The death certificate includes essential details such as the date and cause of death, which helps ensure that the claim falls within the terms of the insurance policy. This documentation is typically required to verify that the claim is valid and to prevent fraudulent claims, making it a crucial part of the claims process.

While documents like proof of identity or insurable interest might be relevant in certain contexts, they do not fulfill the necessary role of verifying the fact of death needed for claim processing. A legal contract is also not required, as the insurance policy itself acts as the legal agreement governing the claim.