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That's where the Life Insurance Policy Locator comes in. This free online tool is maintained by the NAIC and requests are secure and confidential. Any matches found by participating insurers are reported to state insurance agencies through the NAIC Life Policy Locator.
Simply type your loved one's name into the search box at any of the following sites: National Association of Insurance Commissioners - Life Insurance Policy Locator. MissingMoney.com. National Association of Unclaimed Property Administrators - Unclaimed.org.
Once a homeowner dies, their homeowners insurance policy is still in effect. However, it can expire or be canceled if no one makes the premium payments. Of course, an insurer may have no way of knowing about the homeowner's death right away ? but they'll eventually find out.
In your web browser, navigate to naic.org, hover over Consumer, and click Life Insurance Policy Locator under Tools. Submit a search request by entering the deceased's information from the death certificate: Social Security number. Legal first name.
The NAIC has a free online search database that you can use to help find an unclaimed life insurance policy. All you have to do is simply go to their website and submit a request. You'll need the deceased's death certificate, social security number, full name, date of birth, and date of death.
The answer is no Purchasing a life insurance policy always involves the person named on the policy. Insurance companies will not allow anyone to buy insurance in your name without your agreement. The only exception to the rule is when a parent or grandparent purchases a child's life insurance policy.