It does not matter whether the policy holder has received the hard copy of policy document or not. (edelweisstokio.in)
It's also prudent to leave copy of the policy with a family member back home so they can advocate for you if necessary. (creditwalk.ca)
The easiest and fastest way to claim the life insurance death benefit is to look for the physical copy of the policy in the policyholder's records. (policygenius.com)