Technically, once you’re dead and your insurance company has seen your death certificate, they have to honour your policy and cough up the cash. However, this verification process isn’t immediate, with many insurers taking up to 30 days to review a claim.
JC wasn’t dead long, only logging off for roughly 48 hours, which, by modern standards, is a pretty long time to be away from Instagram.
It’s very likely that any insurer would withhold any payouts until they got a legal footing on the situation. We reckon a legal battle would ensue, the insurer would be compelled to honour JC’s policy and all life insurances would include a resurrection clause forever more.
As history has taught us time and time again, there’s nothing worse than a litigious zombie.