When a loved one passes away, one of the things you need to do is find out if they had a life insurance policy. Here are some ways to find out:
| Method | Description |
|---|---|
| Talk to Friends, Family Members, and Acquaintances | Ask people outside the immediate family if they know if the deceased had a policy. |
| Search Personal Belongings | Check paperwork in the deceased’s home and business. Access safe deposit boxes with the key and proof of relation. |
| Check Old Bills & Mail | Look for premium notices and updates from life insurance companies in the deceased’s mail and email. Check credit card and other financial statements. |
| Contact Employers and Member Organizations | Ask past and present employers and professional and social organizations of which the deceased was a member if they had a policy. |
| Do an Online Search | Use free search tools on websites such as unclaimed.org or hire a company to search for a lost policy. |
| Call Your State Insurance Commissioner’s Office | Contact the Insurance Commissioner in your state to perform a search. |
It’s important to note that next of kin and policy beneficiaries can request information about a policy, but they may need to provide proof to the insurance company. If a policy is found,
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Article Sources
- Progressive. How To Find Out If Someone Had A Life Insurance Policy
- Protective Life Corporation. How To Find Out If Someone Has Life Insurance
- Aflac. How To Find Out If A Life Insurance Policy Exists
- NerdWallet. Learn How To Use The Naic Life Insurance Policy Locator
- Policygenius. How To Find Out If Someone Has Life Insurance