Guide · Lost policies · 2 min read
Finding a parent's lost policy
Plenty of families believe a parent had life insurance but can't find the paperwork. A few places are worth checking.
Start with their papers
Look through bank statements and old checks for regular payments to an insurer. Check mail, address books, tax returns, a safe deposit box, and any paperwork from past employers, since many jobs offer group life coverage. An old agent's business card can help too.
Use the free search tools
The National Association of Insurance Commissioners runs a free Life Insurance Policy Locator. You send a request, and participating insurers check their records. Your state's unclaimed property office is also worth searching, because unpaid benefits are sometimes turned over to the state.
What you'll usually need
Have your parent's full legal name, date of birth, last address and Social Security number ready, plus a copy of the death certificate. The insurer may only share details with the beneficiary or the estate's representative.
What to ask your insurer
- Is there a policy on file for this person?
- Who is listed as the beneficiary?
- What do you need from me to start a claim?
- Is there a deadline I should know about?
- Were any benefits sent to a state unclaimed property office?
This guide gives general information and is not advice on your own policy. Your policy contract and the insurer make the final call.