My father passed away and I am the sole beneficiary of a life insurance policy. I called the insurance company and they told me the first step is to change the name of the policy holder to myself, which I am currently awaiting the paperwork on. Is this S.O.P? Wouldn't they just close his policy and pay out once I send the death cert., etc.? I don't trust insurance companies, and I can't afford a lawyer and I'm just trying to not get tricked into doing something I shouldn't. Any advice is appreciated.