Aviva is piloting changes to its teleclaim process that aim to settle life cover claims without sight of a death certificate.
The trial has been running since January 28 and has seen the average time it takes to pay a death claim fall to half a day.
As part of the pilot, the maximum sum assured that can be paid via teleclaims has been raised from £50,000 to £250,000.
Policies that can be paid through teleclaims have to be joint-life policies payable on first death that have been in force for at least five years, without trusts and assignments and with no coroner involvement.
The shortest turn-round time Aviva has achieved in paying a death claim under the trial is two hours. The longest is 24 hours.
Research carried out by reinsurer RGA on behalf of the Investment & Life Assurance Group last year found that the average settlement time for death claims was 73 days.
Aviva director of protection Richard Verdin says: “Insurers are often accused of avoiding paying claims. This is about the industry doing the right thing by the customer at the time they need it most.”