If you are thinking that you have found a insurance policy a few months later from the insured person's death then also you can claim the policy and get the benefits. All you need to have is the proof of the death(death certificate) of the dead person and then you can claim for the insurance from the company. The thing to remember is you policy must not have expired.
If you the beneficiary did not collect the insurance benefits and if he is lucky then he can get the money several year after as well, if the bank knows the death of the insured person but no beneficiary comes up, then bank transfers the money to state as unclaimed property which can be get by beneficiary.
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