State RegulationsTN specificDifficulty 1/5
After an insurer receives due proof of death on a Tennessee life policy, by what point must the insurer pay the death claim?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
T.C.A. § 56-7-2307(11) requires payment of death claims upon receipt of due proof of death, or not later than 2 months after receipt of the proof. The statutory outer limit gives the insurer only a short window for investigation, and the Tennessee Department of Commerce & Insurance treats the deadline as part of the required settlement provisions for individual life policies.
Why the other options are wrong
- A) 30 days is not the Tennessee life deadline; the statute fixes the outer limit at 2 months under T.C.A. § 56-7-2307(11).
- C) 6 months overstates the statutory window and would leave the insurer outside the required-provision rules.
- D) 1 year is far beyond the statutory 2-month limit in T.C.A. § 56-7-2307(11).
Memory hook
Proof in, pay up — 2 months is the ceiling for life death claims.