If the life insurance policy is paid up, there may still be annual notices from the company regarding the status of the policy. If a life insurance company finds that an insured person has passed away, but is unable to find the beneficiary of the policy, the company will turn the death benefit to the state where the policy was bought as "unclaimed property. Examine Income Tax Returns for previous years, looking at interest income earned from, interest expenses paid to, or dividends arising from a life insurance company. Contact the last place of employment in the event a policy may be a part of a group policy issued through the deceased's employer, union or other type of association.
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Annuities and Life Insurance Lost Policy Locator The National Association of Insurance Commissioners NAIC has created a national service that provides consumers with search capabilities to help find a deceased person's lost life insurance policies and annuities. Other tips for finding a lost Life Insurance Policy It is possible the company that issued your life insurance policy has changed its name, merged with another company or sold your policy to another insurance company.
If the policy holder has passed and you need help locating a lost policy: Check the mail following the death of the policyholder, keeping an eye out for premium notices or dividend notices. Check with the deceased's previous or current financial advisors if applicable.
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How to Find Out if Your Loved One Had Life Insurance
Would you like to provide additional feedback to help improve Mass. If the insurance company that sold the policy has changed its name or merged with another company you can still locate that company. If your search does not turn up any information, try one of these strategies:. Take these steps to make sure your beneficiaries won't have difficulty finding your life insurance policy:. In general, life insurance companies that know an insured has passed, but cannot locate the beneficiaries of the policy, are required to turn over the benefits of the policy to the state's unclaimed property office if the benefits are not claimed after a certain number of years.
If you know which state the policy was written in, check with the state insurance department about unclaimed property laws or check with the office that handles unclaimed property. For more information about your life insurance options, check out Insure U Life Insurance resources. As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers.
Information You Need
Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. For more information, visit www.
Communications Division news naic. Jeremy Wilkinson Assistant Communications Director. Damon Smith Senior Communications Specialist. Katherine Jones Senior Communications Specialist. Information You Need Before you start your search, collect necessary documents and information. About Life Insurance Life insurance is generally issued as either term or permanent.
To start, try to determine: Which insurance company issued the policy; Which agent or broker sold the policy; and Whether your loved one purchased the policy through an employer, union or association. Where to Look If your search does not turn up any information, try one of these strategies: Look in files, safety deposit boxes and other storage areas for any insurance-related documents.
Search through address books or online contacts for any insurance listings agent, company.
How to find out if someone has life insurance UK [ Guide]
Contact their attorneys, accountants, investment advisors, bankers, business associates or any other financial advisors. Applications for any life insurance policies, will likely list ALL life insurance policies belonging to your loved one. Check for cancelled checks or bank statements for automatic payments to insurance companies.
Review income tax returns for the previous years to see if there are claims for interest earned on insurance policies. Talk with their auto or homeowners insurance agent. It's possible this agent also wrote their life insurance policy.