Bright Grey and Scottish Provident have introduced a fast-track system to reduce the time it takes to pay out on life cover claims.
The new process means relatives will no longer have to wait for complex legal issues to be resolved before they can receive a payout.
Life cover claims up to the amount of £100,000 will be paid out if there is a Will and there are no suspicious circumstances.
For cases without a Will, Bright Grey and Scottish Provident will pay out up to £25,000.
In all cases claimants will need to complete an indemnity form. This will allow the proceeds to be paid quickly without the need to wait for a Grant of Probate.
Phil Stafford, head of underwriting standards, philosophy and claims at Bright Grey and Scottish Provident said: "Payment of death claims can often be delayed by the time taken to obtain the appropriate grant of representation (known as confirmation in Scotland), which enables the personal representatives to administer the deceased's estate.
"This delay can arise where an own life plan has not been assigned or written in trust. In complex cases, the process can take many months or even years.
"The last thing anyone dealing with bereavement will need is the added pressure of money worries. By speeding up the life claims process the time it takes to receive a payout will reduce substantially in many cases."
