Every year, millions of dollars in life insurance benefits remain unclaimed. Sometimes, beneficiaries can't find their deceased relative's policies or, in some cases, may not even know the policies exist.To help solve this issue, theNAIC created the Life Insurance Policy Locator, a free online tool that helps consumersfindtheirdeceased loved one’s life insurance policies and annuity contracts.
Steps You Need to Take
Thelocatoris easy to use.In your web browser, navigate tonaic.org,hover overConsumer,andclick LifeInsurancePolicyLocator under Tools.
- Review welcome page
- Agree to terms of use
- Enter your name, mailing address and email address
- Submit a search requestby enteringthe deceased’sinformation fromthedeath certificate:
- Social Security number
- Legal first name
- Legal last name
- Date of birth
- Date of death
- Decedant's veteran status
- Relationship to the deceased
Afterall required fieldshave been filled, click on thesubmitbutton.
Your requestwill be stored in a secure, encrypted database whereparticipating life insuranceand annuitycompaniescan access the information through a secure portal.Youwillreceive a ”DoNotReply”emailconfirmingthe request detailsyou submitted.If a policy is foundand you are the beneficiary, the life insuranceor annuitycompany willcontactyou directly.
Ifno policy is found or you are not the beneficiary,you will not be contacted.Please note that the NAIC has no policy or beneficiary information.
For assistance,contact the NAIC HelpDesk athelp@naic.orgor review the Frequently Asked Questions (FAQ).
About the National Association of Insurance Commissioners
As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.
