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I imagine even FE policies have a contestability clause. Expect an investigation. It can take at least a month, maybe several.
A month would be one thing, but several? Oh my ...
emphasize to the beneficiaries that they need to list - all- doctors. Not just the GP.
Non contestible claims are typically quicker.
However, there can be unforeseen delays and normal company slowness.
Examples are Jackson National and Oxford would say they are at least 21 from the time they get the claim paperwork and DC in office. Many counties are a couple weeks getting the DC done and if the funeral home is getting it they can drag their feet as well since they do not want to go to the hall of records everyday.
A few companies may take Notification of Death from the FH. In my mother's case the benefits were paid the day after she died and I had thrm in hand 10AM the next day.
Assignments are different. While it gets the funeral home paid it can drag out the beneficiary getting their part as the assignment companies are not the quickest at getting the DC to the insurance company.