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How to Find Out if a Life Insurance Policy Exists After Death - Talk to Friends, Family Members, and Acquaintances. - Search Personal Belongings. - Check Old Bills & Mail. - Contact Employers and Member Organizations. - Do an Online Search. - Call Your State Insurance Commissioner's Office.
You should start by looking at the deceased person's bank statements to find out whether they were paying a regular life insurance premium. If they were, the statement should also reveal the name of the insurance company receiving the payments.
What documents do I need to claim for life insurance? A death certificate: A certified copy can be supplied by the funeral director. A completed claim form: One should be available from the insurer's website. A policy document: A certificate of insurance that should have been issued when the policy was purchased.
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.
At the death of an owner, the policy passes as a probate estate asset to the next owner either by will or by intestate succession, if no successor owner is named. This could cause ownership of the policy to pass to an unintended owner or to be divided among multiple owners.
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.
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.
Search with the National Association of Insurance Commissioners (NAIC): NAIC has an online Life Insurance Policy Locator Service that uses the deceased's name to search the records of participating life insurance companies. This service is free, confidential, and easy to use.