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3. How confident they may be Unlike real estate property, insurance coverage typically specifies a beneficiary. In order to claim the arises from a life insurance coverage policy, the beneficiary is required to provide specific information to the company to ensure them to process the claim. One of the challenges that many people face is wondering how do life insurance coverage companies confirm death. Unlike some other assets, life insurance coverage policies do not automatically go on the spouse, even when you will find there's will. However, beneficiaries should realize that claiming benefits isn't as complicated because they may think. Beneficiaries are usually required to give you the following documentation: Of course, you will not locate a tobacco addict in the same dank alley as a crazed crack junkie at 3:00 am aiming to score his newest fix because cigarettes can easily be bought for most grocery stores and so are perfectly legal. Then again... once the craving hits, as with every other substance abuser, one does what you must!