As long as your cause of death is covered by your life insurance policy and your policy is still active and in force, your beneficiary will receive a death benefit if you pass away.
In order for benefits to be paid, your beneficiary (or someone else) will need to file a claim and provide proof of loss, such as a copy of the final death certificate.
What’s a covered cause of death? That’ll depend on your policy. For example, term life insurance like Fabric Premium covers most causes of death (with a few potential exceptions). By contrast, accidental death insurance like Fabric Instant only covers death caused by an accident such as a car crash.