How to Find a Missing Life Insurance Policy
Ask relatives and friends of the family
Don't immediately dismiss the idea that someone else might know the name of the life insurance company. It can be surprising what people remember. While life insurance is usually considered a private financial matter, it is also possible that the person who took out the policy asked for advice from their loved ones. Chances are you have already been in contact with the family lawyer, but sometimes people have more than one lawyer. The family lawyer might know about any and all life insurance policies.
Search through papers
If searching the house and the safe hasn't located the policy then find out if the person had a safety deposit box. Some people have them to keep important papers in a safe location outside of the house. While searching through papers also look for cancelled checks and bank statements. If you can find out who was being paid this will lead you to the policy. Depending on the type of life insurance policy, finding old tax returns could be helpful because interest income must be reported.
Make contact
Some people have life insurance through their jobs. If contacting their place of work doesn't find the policy, try contacting former employers as well. Also, try contacting the places they had other forms of insurance. Since companies offer discounts for multiple plans, it is possible that the person obtained vehicle, house, and life policies from the same place. Even if the policy isn't with the place you contacted, the agent might be able to help you locate it. You could also try contacting the most popular life insurance companies yourself to see if there is a policy with them.
Search Online
If the insurance company is aware that the person has died, but cannot contact the beneficiary then the money may be given to the government until the correct person is located.
Published by Angelie MacKenzie
Was also on the 2007 Top 1000 List. Writing has been a passion for as long as she can remember. View profile
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7 Comments
Post a Commenthttp://FindYourPolicy.com is a GLOBAL central Database for Lost Life Insurance. it has now been updated and improved for EVERYONE to take advantage of the service. It is now FREE to register the name of the Life Insurance company which holds your life insurance. It is the name of the company which is so important when the time comes! Without the name of the company which holds your Life Insurance, it is next to impossible to locate your policy. http://FindYourPolicy.com is a pro-active service for EVERYONE with Life Insurance. While you are still alive, register the name of the company ONLY, which holds your Life Insurance and your beneficiaries will be certain to find your policy(s) if something were ever to happen to you. Even if you are confident that your beneficiaries know where all your paperwork is locate, www.FindYourPolicy.com is an excellent back up! And FREE! If your loved ones do forget, it is a small charge of $9.95 to search the system to locate your loved ones informatio
Use http://www.FindLostLifeInsurancePolicy.com. It's fast and simple. You only need some basic information to search millions of historical policy records on anyone.
(continued from last message...) FindYourPolicy.com
www.FindYourPolicy.com is a GREAT service, and would solve many situations before it is too late! I recommend everyone to register
with FindYourPolicy.com and make sure, when the time comes, you and your beneficiaries are prepared for the unexpected! You will thank yourself and feel at ease!
Edmund
(continued from last message....) The company name is all they need. If the member passes away the designated people go onto the site and enter the last four digits of the members Social Security number and their birth date. (This is found on a Death Certificate) They will immediately see the company name the member had Life Insurance with.
Registering is simple: the member will enter only his name and address and e-mail address, his last four digits of their Social Security number (some banks use this for security purposes) and their birth date. Then the address of the two people that he/she designates (could be an attorney, CPA, or beneficiary). And finally the company names they have Life Insurance, Safe Deposit Boxes, Annuities, Brokerage Accounts and Bank Accounts with.
Please do not fool yourselves! No one is ever completely prepared! The $23 Billion dollars that is unclaimed in Government trusts tells us this! www.FindYourPolicy.com is a GREAT service, and would solve many
(Continued from last message...)
According to the MIB, billions of dollars can be claimed from Life Insurance companies. This is due to two reasons:
1. the beneficiary does not know they are the beneficiary, so they do not even look
and,
2. the beneficiary knows they are the beneficiary but they do not know the company name, so they do not know where to start looking.
FindYourPolicy.com solves this problem. They register the company name only of the member's Life Insurance and then they proactively send an annual post card to the member (insured) and up to two people the insured designates. These post cards only direct people back to our website. They never ask for your full Social Security number, Policy numbers, Account numbers or any monetary value what so ever. FindYourPolicy.com only asks for a company name giving the designated people a direction of where to start looking. The company name is all they need. If the member passes away the designated people go onto the site
I would like to introduce you to a new service called FindYourPolicy.com
FindYourPolicy.com is a Life Insurance Registry and Beneficiary Reminder service. http://www.FindYourPolicy.com makes sure the beneficiaries of Life Insurance, Safe Deposit Boxes, Annuities, Brokerage Accounts and Bank Accounts never forget the Name of the company that holds their loved ones Life Insurance, Safe Deposit Boxes, Annuities, Brokerage Accounts and Bank Accounts.
http://www.findyourpolicy.com
There are millions of people who have run into the situation where they have not been able to find the Life Insurance of a relative or a friend. And to make matters worse, there is no National or Statewide database that anyone can go to for help. If an individual is looking for a lost policy there is no place they can go…until now.
There are over 500 Life Insurance companies in the United States alone, so if you do not know the company name, there is not much you can do. According to the M
Very helpful :) Sheri