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Annuities and Life Insurance Lost Policy Locator

The National Association of Insurance Commissioners (NAIC) has created a national service that provides consumers with search capabilities to help find a deceased person's lost life insurance policies and annuities.

Consumer requests are encrypted and secured to maintain confidentiality. Participating insurers will compare submitted requests with available policyholder information and report all matches to state insurance departments through the Life Insurance Policy Locator. Companies will then contact beneficiaries or their authorized representatives.

Check out the Life Insurance Policy Locator and FAQs here:
https://eapps.naic.org/life-policy-locator/#/welcome
https://eapps.naic.org/common_web/life_insurance_policy_locator_faq.pdf 

Other tips for finding a lost Life Insurance Policy

It is possible the company that issued your life insurance policy has changed its name, merged with another company or sold your policy to another insurance company. You should have been notified of this change at the time it happened. For this reason, it is important to make sure your mailing address is always current on your policy. However, if you did not receive an updated policy, you will need to locate the life insurer that services and pays claims on your policy.

In many cases, you can contact the Division of Insurance to assist you in finding the new name of your insurer. You should have the full legal name of the company that issued the policy and the state where the policy was purchased. The Division can usually track name changes and/or mergers that impacted the insurance company.

If the policy holder has passed and you need help locating a lost policy:

Check the mail following the death of the policyholder, keeping an eye out for premium notices or dividend notices. If the life insurance policy is paid up, there may still be annual notices from the company regarding the status of the policy.

Contact the Unclaimed Property division of the State Treasurer's Office. If a life insurance company finds that an insured person has passed away, but is unable to find the beneficiary of the policy, the company will turn the death benefit to the state where the policy was bought as "unclaimed property." The beneficiary is still able to collect this money. 

Examine Income Tax Returns for previous years, looking at interest income earned from, interest expenses paid to, or dividends arising from a life insurance company. 

Check with the deceased's previous or current financial advisors (if applicable).

Contact the last place of employment in the event a policy may be a part of a group policy issued through the deceased's employer, union or other type of association. 

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