You are looking for records of cancelled checks for premium payments, old records of premium payments, or any old tax records that could indicate the name of insurer. Be sure to check the mail as well for any incoming information from the insurance company. If there was an insurance policy, there will likely be a financial record of it somewhere.
In addition, contact their previous place of work, as well as former places of work. If they worked in a larger business, you would want to contact the company benefits office. They would know about any workplace coverage, as well as any additional coverage or benefits that were purchased.
Contact them to see if the policy holder had any other type of policies with that same company. In addition, ask them if they were aware of any other insurers that the policy holder had. If you live in a smaller city, you can also try calling all the major insurance companies one-by-one to check. This may be impractical in a larger city with hundreds of providers. It may be worthwhile to call the most prominent providers, however. If you live in a large city, call the insurance companies closest to where the policy holder lived, as well as the largest names. Identify yourself and your relationship to the decedent. Be prepared to show a death certificate for the decedent.
These are typically known as policy locator services, and if you are an executor or legal representative of a deceased person with a policy, you can submit your legal information and a death certificate, and the service will contact all the life insurance providers in the state. Use the National Association of insurance commissioners website to find out the contact information for your state insurance department. You can then call them to ask about any specific policy locator services. If they do not have a policy locator service, ask them for how they can help. At the very least, they can provide a list of insurance providers close to the address of the policy holder. They can also let you know about any insurance company mergers.
MissingMoney. com provides a database of unclaimed property for states, that allows policy holders and beneficiaries to perform an in-depth search of property that is rightfully owned to them, and legally required by law to be turned over to state governments. [6] X Research source
This is a fee-service, and the fee is $75. Within 10 days, they will produce a report that will provide information of any applications completed by the person of interest, the insurance company, the date of application, and the contact information for the insurer. The MIB cannot tell you if a policy was issued. To learn this, you must contact the insurance company yourself using the contact information provided.
In addition to employers, a lot of fraternal organizations, unions, and professional associations offer life insurance policies to their members. [7] X Research source Check with these organizations and see if they have any records about the deceased’s policies.
If you get a solicitation from an insurer, do not contact them with the number or address provided on the mailing. Instead, look up the insurer online and use the number or address you find on the internet. [9] X Trustworthy Source Consumer Reports Nonprofit organization dedicated to consumer advocacy and product testing Go to source
