Can you file a claim on a paid up life insurance policy?

The policy is free of any further premiums however you may lose bonuses (in particular yearly reversionary bonuses) and the sum assured will be reduced causing you to receive a lower pay out. As...

You can visit Insurance site FAQ for this claim process because all insurance company have tis own rules and regulation so its very difficult to tell which process you have to follow.

Never...unless you found the fountain of youth and find you are not going to die.

If you have an old life insurance policy can you cash it in for cash value

A taxable consequence may occur if the cash surrender value exceeds the cost basis (i.e. the premiums paid into the policy).