A life insurance quote shows the proposed cover and price, but the eventual payout depends on the final policy terms and the circumstances of the claim. After the policyholder dies, the beneficiary, executor or personal representative usually contacts the insurer and provides documents such as the policy details and death certificate. The insurer assesses whether the policy was active, premiums were paid and any exclusions or non-disclosure issues apply before deciding the claim. If accepted, payment is normally made to the named beneficiary or estate, with timing varying by case; check the policy and contact the insurer, or seek advice from a regulated professional if there is a dispute.