How are life insurance policies given to the beneficiary?

If you are referring to the policy document itself, it can be by any means of physical delivery.

However, what I think you are referring to is the proceeds of the policy that are payable upon the death of the named insured. In general, the policy outlines what has to be done to collect proceeds. Briefly, it involves the beneficiary providing the insurance company with a certified copy of the death certificate (obtainable from the county in which the insured dies) and a claim form (which can be obtained from the insurer). It is best to send the material to the insurer by certified or registered mail so that you have proof of receipt.

Assuming the policy was in force at the time of death, and the person or entity claiming to be the beneficiary is shown on company records as the designated beneficiary, payment is usually made within 30-60 days.