There is some sleuthing you can do to help you find out if there is a policy in place:

1. Obtain the death certificate.
2. Talk to family and friends.
3. Search personal belongings.
4. Check mail/email.
5. Online search.
6. Review the death certificate.
7. Talk to bankers, financial advisors or insurers.

What happens if a life insurance policy goes unclaimed?

Unclaimed life insurance policy proceeds are turned over to the state in which the insured is last known to have resided (often with interest) after a certain number of years have passed, following state laws on unclaimed property.

How do I find out if there’s a life insurance policy in my name?

Here are some strategies to help simplify your search.

1. Look for insurance related documents.
2. Contact financial advisors.
3. Review life insurance applications.
4. Contact previous employers.
5. Check bank statements.
6. Check the mail.
7. Review income tax returns.
8. Contact state insurance departments.

How do you find out if a life insurance policy exists?

Most of the places where you’ll be searching will require you to present the death certificate, and possibly the deceased’s social security number, in order for a search to be done. If you find out that you are a beneficiary, you’ll need to present a copy of the death certificate to the insurer to prove that the policyholder is deceased.

How can I contact my life insurance company?

The life insurance company and the policy owner have lost track of each other The main mode of contact between you and financial institutions (banks, credit card companies, insurance companies, investment management companies, etc.) is by “snail” mail.

Is there a life insurance company that no longer exists?

The original life insurance company no longer exists or cannot be located The name of the company that sold the original life insurance policy may have changed, possibly making it more difficult for the beneficiary to locate the insurer in order to make a claim.

How does a life insurance company know when a person dies?

The life insurance company doesn’t know the insured has died. Life insurance companies typically do not know when a policyholder dies until they are informed of his or her death, usually by the policy’s beneficiary.