If you suspect that a loved one had a life policy, the National Association of Insurance Commissioners (NAIC) has created a Life Insurance Policy Locator service to help consumers locate benefits from life insurance policies or annuity contracts purchased anywhere in the United States. The companies will search their records to determine whether they have life policies or annuity contracts and will contact you directly only if they find a policy in the name of the deceased and you are the designated beneficiary or authorized legal representative. This service is free of charge. Prior to utilizing this service, you are required to conduct a diligent search of the deceased person's records. Show
The following tips may assist you in your search:
If you find a life insurance policy for a deceased relative but cannot locate the company, you can call our Consumer Hotline at 1-800-927-4357 or check the Company Profile on our Website to obtain address and phone contact information. When the owner of a life insurance policy dies, their beneficiaries get a death benefit from the insurance company. If you’re the beneficiary of a policy, you should file a claim with the insurer as soon as possible in order to collect the benefit. But if the insured dies before telling you where to find a copy of their policy (or that a policy exists), you may not have all the information you need to file a claim. Whether you’re facing the death of a spouse, parent, business partner, or sibling, it can be daunting to know where to start. Here’s how to find out if someone had a life insurance policy. Key takeaways
How to find a lost life insurance policyIt can take some digging, but the policy document will have all the information you need to file a life insurance claim, including:
If you know you’re the beneficiary of a life insurance policy but don’t have a copy of it, there are a few ways to find a lost policy. Contact the life insurance companyIf you know which life insurance company issued the policy, contact it directly. Be prepared to prove that you are the beneficiary listed (usually with ID such as your driver’s license number or SSN) and have the death certificate available to prove that the insured person is deceased. Use life insurance search toolsThe National Association of Insurance Commissioners (NAIC) and some state insurance departments offer free tools to help anyone search for unclaimed life insurance policies.
It may take some time to hear back — NAIC notes that it could take up to 90 business days for insurers to respond to a request — you’ll be contacted directly if you are a beneficiary or otherwise authorized to get information about the missing policy. [1] Contact the deceased’s financial advisorsAnyone who advised the deceased on financial matters or helped them manage their estate — such as an accountant, attorney, financial planner, banker, or business partner — might be able to track down their insurance policy or at least tell you which company they purchased the policy from. If the deceased purchased home insurance or auto insurance through an insurance agent, the agent may know whether they had other insurance policies. Search for a physical copyIf you’re allowed to access the deceased’s personal effects, check secure safes and common storage areas for a copy of the policy or correspondence from their insurance company. Keep in mind that term life insurance policies can last as long as 30 years and whole life insurance policies last the entire lifetime of the insured. You may have to check files that are several years old to find policy information. If the policyholder has stored the document in a safe deposit box at their bank, you’ll need to get a court order to prove that they have died and that you’re allowed to access the safe deposit box’s contents. The executor of the deceased’s estate should also be able to access the safe deposit box. Search digital storageIf you shared any digital storage with the deceased, or they had an external hard drive, you might be able to find the policy saved there. Unfortunately, if the policy is on a device in an account that’s password-protected or encrypted, it will be hard to retrieve. You might be able to get access by presenting the company that owns the account with a court order, but they might reject your request. Other ways to search for a life insurance policyIf you’re unsure whether your loved one had an existing life insurance policy at all, there are a few places you can look for confirmation:
Even if you’re not able to verify whether your loved one had a policy, you can still use the life insurance policy search options above. How to find out if you’re a life insurance beneficiaryIt’s not uncommon for people to have no idea they’re the beneficiary of someone’s life insurance policy. Policies can last for decades, and beneficiary designations can change over the course of someone’s life. If someone died and you’re unsure who their beneficiaries were, it’s worth searching for their policy to ensure you’re not leaving a benefit unclaimed. The death master fileIn rare cases, the insurance company may let you know you’re a beneficiary. Many insurers regularly compare their records against the Social Security Administration’s Death Master File, which records deaths of Social Security number holders that are reported to the SSA by funeral homes or loved ones. If an insurer finds a policy that’s unclaimed it will mail claim forms to any beneficiaries. However, it can take a long time for insurers to complete this process, so it’s always better to initiate a claim yourself. Looking for a lost life insurance policy while grieving a loved one can be difficult. An online policy locator or getting help from the deceased’s financial advisors can make the process easier. → Learn more about how life insurance works You can find out if someone had a policy by using online search tools, contacting their financial or legal advisors, or checking the deceased’s records. Life insurance policies are not usually public record,
but they can be found on sites that aggregate records of unclaimed money in each state. Only beneficiaries can claim the death benefit of a life insurance policy. If no beneficiaries are living, the proceeds go through probate. A policyholder’s insurer may eventually reach out if you’re named on an unclaimed policy, but it’s much faster if you file a claim yourself. How do I find out if a deceased loved one had life insurance?Use NAIC, MIB Group, or NAUPA Life Policy Locators. ... . Contact the Deceased's Employer, Lawyer, Accountant, or Financial Advisor. ... . Look Through Documentation. ... . Submit a Request to State Registries. ... . Contact Fidelity Life to Review Policies.. Are life insurance claims public record?Because life insurance death benefits are typically paid to designated beneficiaries, they aren't public record. However, if the benefit isn't claimed and is reported to the state as unclaimed property, it can typically be found on sites that list unclaimed property records by state.
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