How do I find out if someone that has died had a life insurance policy?
It is a common occurrence that people purchase life insurance for themselves, but forget to inform their beneficiaries about their policy. If you are in a situation where you need to find out if the deceased had a Life Insurance Policy, there are a few ways to do that.
Firstly, start with the NAIC(National Association of Insurance Commissioners) “Life Insurance Company Location System” . This system will enable you to connect with the state insurance department personnel who can then help you to identify companies that may have insured the deceased.
If the insurance companies knows about the death, but cannot find the beneficiary, then the policy is considered to be unclaimed property and passed on to the state of the last owned address of the person. In such cases, you need to reach for the database of the NAUPA (National Association of Unclaimed Property Administrators). You may want to check the mail of the policy owner, as an insurance premium may come in the mail. There are some private companies that specialize in finding lost life insurance. You may consider hiring one of these to assist you.
If by some means you come to know what company the person has been insured with, you may inquire with that company about the policy. The company will be able to tell you if the person was insured with them or not. You can then produce suitable evidence to the company in order to make the claim.