Insurance bills paid or not

What happen if beneficiary don't know about insurance company.

Suppose a person dies and the beneficiary of that policy have no idea about the company who had taken charge and the policy is lost then will he get the sum money or not ?

well there are some points to be considered first ?

insurance bills paid or not 

If a beneficiary finds the lost life insurance policy shortly say about 6 months after the insured person dies, claiming the death benefit should be trouble-free.You have to first determine that whether insured person had term or permanent life insurance.If the insured held a term policy, the beneficiary will be intended to receive the death benefit if he died before the end of the policy term. If he died after the policy expiration date, you would get nothing. 

If the insured person held a permanent life policy, then the beneficiary will receive the amount of money if the death occurred while the policy was "in force," meaning all premium payments were made up until the time of death. If the death was a while ago, then he will receive the benefit with interest from the date of death.

What happens if policy lapses ?

then the policy is worthless and the life insurance beneficiary will get nothing. 

When a person can claim ?
There is no particluar time limit during which a beneficiary step forward to collect the sum of money, according to Jack Dolan,who is a spokesman for the American Council of Life Insurers. "If a person shows up 30 years after [the insured's] death, the company still makes good on it," Dolan assures.