Speed of claim pay-out
All insurers aim to pay very quickly after receiving proven notification of death, usually anywhere from 1-3 days. The general idea with this sort of insurance is that the funds are available almost immediately so you can meet your financial obligations regarding the funeral. So, you should not expect an delays with your claim pay out.
When purchasing the insurance you will also nominate a beneficiary to whom the claim funds will be paid to. This beneficiary can also be changed in the future.