Skip to main content
永续合约|合约交易所_永续合约home Logo永续合约|合约交易所_永续合约home PORTAL LOGIN
  • How To Find Out If Someone Alive Or Deceased Has Life Insurance

    ResearchWhen it comes to financial protection for your family, life insurance is one of the best choices you can make. But life insurance isn’t an easy topic to discuss, even among close family, and it’s a subject we often overlook or avoid altogether. If you already have it, be sure to have a conversation with your loved ones about your coverage. If you don’t have insurance yet, take the time to get a quote and find out how much coverage you need. You can also learn how whole life insurance works.

    If you’re unsure if someone has life insurance, there are ways to find out, including looking at personal belongings, doing an online search, and contacting the Insurance Commissioner’s office in your state.

    How to Find Out if a Life Insurance Policy Exists After Death

    Talk to Friends, Family Members, and Acquaintances

    If you are unsure whether the deceased had a life insurance policy, talk with people outside of the immediate family. Sometimes, it’s easier to talk to people you’re not as close to about subjects related to death and dying. For that reason, your loved one may have confided about their benefits in friends, spiritual leaders, doctors, or social groups they were a part of (such as book clubs or exercise groups).

    Search Personal Belongings

    If your loved one had a policy, there is likely some record of it amidst their personal belongings. Check paperwork in his or her 永续合约|合约交易所_永续合约home and business. Accessing safe deposit boxes can be more difficult, and requirements vary by state. In most cases, you’ll need to have the key to the box, as well as a copy of the death certificate. You will also need proof of relation — a marriage certificate or executor’s testament, for example — and a photo ID. If you do not have the key, there may be an extra fee to drill into the box. Once opened, bank officers can deliver life insurance documents to named beneficiaries, but other contents must remain in place until a will or estate plan is executed.

    Even if there is no record of the policy itself, there are other documents that may give you some clues:

    • Business cards of insurance agents, attorneys, accountants, or financial advisors can connect you to potential contacts who may have helped secure a policy.
    • Bank statements or cancelled checks may show payments to life insurance companies.
    • Address books and planners may have useful contacts.

    Check Old Bills & Mail

    Life insurance companies will continue to send premium notices and updates via mail and/or email, so be sure to check your loved one’s mail and email. Credit card and other financial statements may also help you find out if a policy exists.


    National Association of Insurance Commissioners – Life Insurance Policy Locator

  • National Association of Unclaimed Property Administrators –
  • There are also companies who will search for a lost policy for your loved one. Representatives will contact hundreds of life insurance companies on your behalf to determine whether your loved one had a policy. Fees vary, and scams involving this type of service do exist, so do your research before you go this route.

    website lists the contact information for each state office. When an ized person makes an inquiry to a policy, the state office typically forwards the request to licensed agencies within the state. The agencies will perform a search and, if a contract is found, will then make contact. If the person making the request is not an ized party, the agency will not contact him or her, but will attempt to contact the named beneficiary.

    website lists this contact information by state.


    Can you be the beneficiary of a life insurance policy and not know it?

    Yes, you can. There is no requirement to notify a person when you list him or her on a policy.

    Related Resources