Life insurance
Check with their employer for group life cover details
Some steps differ by region inside the country.
Where
The insurer directly, their broker, and the employer for group life cover.
How
Scan 6 to 12 months of bank statements for monthly premium debits, the payee name identifies the insurer.
Ask the employer's HR whether there was group life or death in service cover.
Phone each insurer's claims line and ask for the death claim pack.
If you suspect cover but cannot find it, ask the FSCA or the insurer's ombud for help tracing it.
What to bring
A certified copy of the death certificate
The policy number if you have it
Your ID and proof of relationship
This is practical information, not legal, medical, or financial advice.