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Caring for a policy your family already has
This part of the site isn't about shopping — it's for families who already have a final expense or life insurance policy and just need a hand with something specific: a payment that didn't go through, a claim that needs filing, a beneficiary that's out of date, or simply a question about how the policy works. Find your topic below, whenever you're ready.
What we can help with here
Borrowing against a policy
A gentle explanation of how a policy loan against cash value works, and what an unpaid loan can mean for the death benefit.
Read the guide →If a beneficiary passes away first
What happens to the policy, and why naming a backup beneficiary protects your family.
Read the guide →
Missed a payment
Grace periods, lapses, and gentle next steps if a payment slipped through the cracks.
Read the guide →
Filing a death benefit claim
A caring, step-by-step walkthrough for a beneficiary starting and completing a claim.
Read the guide →How long a claim usually takes
The factors that genuinely speed up or slow down when a family receives a payout.
Read the guide →
Finding a policy you can't locate
Warm, practical steps for tracking down a policy when the paperwork has gone missing.
Read the guide →Understanding the contestability period
Why a carrier can review a claim more closely during a policy's first two years.
Read the guide →If a claim comes back denied
The common reasons this happens, and every option a family has from there.
Read the guide →
Updating a beneficiary
How to change who's listed on a policy, and the moments in life when families usually do it.
Read the guide →Canceling a policy
What actually happens when a policy is canceled, and what's worth checking first.
Read the guide →Still looking for coverage for your family?
If your family doesn't have a policy in place yet, you're in the wrong corner of the site — head back to the homepage to see your options, or, if a health condition is part of the picture, take a look at our guide to pre-existing conditions first.
Don't have a policy yet? See what you qualify for →