How do I know if I have life insurance policies?
- Obtain the death certificate.
- Talk to family and friends.
- Search personal belongings.
- Check mail/email.
- Online search.
- Review the death certificate.
- Talk to bankers, financial advisors or insurers.
How do I find my life insurance?
Use your state insurance department's policy finder, which will direct your inquiry to all participating life insurance companies that sell policies within that state. If your state doesn't have an online policy finder, contact your state's insurance department for help locating the policy.
What happens if I can’t find my life insurance policy?
Submit a request to the NAIC Life Insurance Policy Locator Service. The National Association of Insurance Commissioners (NAIC) Life Insurance Policy Locator Service, a free online tool, can assist you in locating life insurance policies.
How can I find a life insurance policy by name?
The National Association of Insurance Commissioners (NAIC) Life Insurance Policy Locator Service, a free online tool, can assist you in locating life insurance policies.
How do I find the cash value of my life insurance policy?
To calculate the cash surrender value of a life insurance policy, add up the total payments made to the insurance policy. Then, subtract the fees that will be changed by the insurance carrier for surrendering the policy.
Should I have a copy of my life insurance policy?
The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance. To prevent this, you should have copies of your life insurance records in at least two places.
What happens when you are the beneficiary of a life insurance policy?
A beneficiary receives the payout from your insurance policy in the unfortunate event of your death. We make this decision because we want to protect the people we care about from the potentially devastating impact caused by such unforeseen circumstances.