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.

Who gets life insurance after death?

If you die the insurance company pays your family, or whoever you named as the beneficiaries, the amount of money specified in the policy. Like the lottery, there’s a choice to receive the money all at once (lump sum) or in installments (annuity).

How do you find a life insurance policy of a deceased person?

Here’s what you need to do to find the life insurance policy of a deceased person. Even before you file a claim for the death benefit with the insurance carrier, you’ll need proof that the policyholder has died.

How long does it take to find a lost life insurance policy?

The NAIC’s locator service doesn’t provide instant results. It can take up to three months before they find a policy for your loved one, then it may ask you to send a copy of the death certificate before you can move forward with a claim.

When to contact the beneficiary of a life insurance policy?

Insurance companies are legally required to contact the beneficiaries of a policy when they know that a policyholder has died, but in many cases, they may not be aware of the policyholder’s death. If you know you’re the beneficiary of a life insurance policy but don’t have a copy of the policy on hand, here’s what you can do:

What to do if you dont have a life insurance policy?

If you know you’re the beneficiary of a life insurance policy but don’t have a copy of the policy on hand, here’s what you can do: If you know which life insurance carrier issued the policy, you can directly contact that company. The insurance company should have the policy on file.