The funeral home handles my life insurance policies so I didn't have to deal with that. I received the checks last week and I went to our bank on Monday (6th) and opened a checking account for myself.I don't know about your state, but Florida issues two kinds of death certificates: one with the cause of death and one without.
Different businesses may require one or the other. The life insurance company HAD to have one with the cause of death. The bank would not accept one WITH the cause of death. It had something to do with privacy. I had to make sure I sent the correct one or we'd be going around and around until I got it straight. Some places will accept a copy of the death cert; some have to have an original. Some will return the original to you; some won't.
So I got a bunch of both. If the gentleman at the crematorium hadn't told me about the different requirements, I wouldn't have known. He ordered them for me. I still had to pay for them but at least that was one more thing I didn't have to do.
When I went to the SS office on Monday also, I took our marriage certificate along with other things and when she asked me where I wanted my check to be deposited, I gave her the routing# and account # I had just set up with the bank.
The funeral home "gave me" 6 death certificates but I've only had to use 2. Our state has cause of death on them.