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JD,
I am told that LH pays claims 24 hours after receiving the death certificate. Is this the case with your experience when you were writing LH policies?
It's 24 hours after death. Not after the death certificate. In Ky it can take 4 to 6 weeks to get the death certificate sometimes.
with LH this is only for policies that are out of contestability. I believe preneed to be different than that. It's my understanding that preneed doesn't matter about contestability. They pay whatever they were supposed to pay unpon the death.