State RegulationsIL specificDifficulty 2/5
A beneficiary submits due proof of death on an Illinois individual life policy. Under 215 ILCS 5/224, when must the insurer settle the claim, and what claim-form practice is barred?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
215 ILCS 5/224(1)(j) requires the insurer to pay a death claim upon receipt of due proof of death and no later than 2 months after receipt, and it bars the insurer from requiring the beneficiary to use a special claim form. The Illinois Department of Insurance form-review checklists reflect both rules, so settlement runs on the proof-of-death trigger with a 2-month outside limit.
Why the other options are wrong
- A) 15 days is the interest-free payment window under the delayed-settlement provision, not the outer settlement limit, and a special form is barred.
- B) 30 days is not the life death-claim limit; 215 ILCS 5/224(1)(j) sets 2 months and prohibits insurer-designed special forms.
- C) 6 months triples the statutory limit; settlement is due no later than 2 months after due proof of death.
Memory hook
Proof of death, then 2 months — and no special form.