When you submit a life insurance claim, the insurance company’s gonna go about doing some kind of investigation. Sometimes it’s as simple as asking you for a death certificate. Other times it’s asking you for medical records, in addition to the death certificate. What they’re looking to do is to evaluate whether or not they should deny the claim. They compare the medical records and the death certificate to the person’s application for life insurance to see if they knew all of the risks and facts about the life insurance applicant at the time of the application. In order to make sure the life insurance company pays you what you’re owed, you should hire an attorney if you get any questions beyond asking for the death certificate.