How Can I Find Out What Life Insurance Someone Has?

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 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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