Services for Consumers
Finding a "Lost" Life Insurance Policy
If you believe that a deceased loved one had life insurance coverage, but cannot find a policy or identify the insurance company, here are some places to look:
- Review the person’s papers for all other types of insurance policies, even if you're not sure the policy is still in force. If you locate an automobile policy or homeowner’s policy, contact the company (or insurance agency) to determine if that same company issued a life insurance policy as well.
- Review canceled checks, credit card receipts and other financial records for evidence of any payments to life insurance companies.
- Check the person’s incoming mail for at least one year after his/her death to identify any premium notices, annual reports or other communications from a life insurance company.
- Review the person’s income tax returns for the past two years, for any interest income or interest expense from an insurance company.
- If the deceased owned a cell phone, check the contact list for an insurance agent or agency.
Family and Friends
- Check with all family members and close friends and ask if the person ever mentioned an insurance company.
- If the person lived in a small community, check with local insurance agent(s) who might have done business with him/her.
Past Employers, Associations, etc.
- Contact the deceased person’s last place of employment to determine if he/she had any group life insurance through the employer.
- Check with unions and associations to which the person belonged, to learn if insurance was purchased through them.
- Check with the person’s bank to determine if he/she maintained a lock box.
Checking with State Government
Private "Policy Locator" Services
- Do an internet search on "life insurance policy locator," to find private companies that (for a fee) will check with insurance companies on your behalf. If you are being charged a fee, be sure you fully understand the services to be provided.
Finding the Insurance Company that is Responsible for a Known Policy
A company that issued a life insurance policy years ago (or even recently) might have changed its name, merged with another company or transferred policies to another insurance company. If you have difficulty identifying the company that is currently responsible for the policy, start your search by collecting as much of the following information as possible:
- The full legal name of the insurance company that issued the policy (this should be listed on the policy).
- The mailing address and phone number in the policy or binder.
- The state in which the policy was purchased.
- Date of policy issuance.
Once you have this information, contact the Department of Insurance in the state where the policy was purchased. If that state cannot provide you with enough assistance, try contacting the Department of Insurance in the state where the deceased person resided at the time he/she purchased the policy.