How does a policy payout work?

There are three stages to the life insurance claims process:
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1) You notify the insurer
2) They assess the claim
3) If valid, the claim is paid
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For death claims, the payout is made to their personal representative to be distributed according to their will or the rules of intestacy if there is no will. Approved terminal illness claims are made to the life insured.
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The payout will be as a lump sum in pound sterling to a UK Bank account.
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