How to Find the Last Life Insurance Policy

If you can not find life insurance for a recently deceased life-long life, there are many ways to expand your search.

Something to understand a life insurance policy, but finding it can be a serious financial problem. If you can not make a claim for life insurance payments, you may suffer for many years of life insurance company trying to find you.

Services can be found here for documents, agents and individuals you can contact and find the lost life insurance policy.

Documents that help you find a lost life insurance policy:

• Insurance-Related Documents: While you can not find a life insurance policy, you can find the name of the life insurance address that the policy sold. 

• You can even find a footprint through an agent selling a car or home insurance policy. Any company may know that it's sold.

• Life insurance applications: If the deceased has more than one policy, finding a policy will be helpful to others. Applications are usually linked to a policy and may include other policies that are owned by the application.

• Bank Statements: Check any payments (automatic withdrawal or checks) for life insurance companies.

• Email: Keep an eye out for life insurance reports or bills in the deceased's poster. If it is annual and recently paid, you will have to wait up to one year until the next bill.

Persons and agencies that can help you find a lost life insurance policy:

• Financial advisors: person's accountants, investment advisors, attorneys or other financial experts, life insurance policies.

  Person's accounts, investment advisors, attorneys, or other financial experts may be aware of the existence of life insurance policies.

• Employee: Find out if a person has a life insurance policy through the job of the deceased person's employer. Generally, note that insurance policies generally end up on the last working day.

•  If the deceased went to work, it would be a worker's life insurance.

• Banks: A policy deposit box may have a policy copy. To check the safe deposit box, you must be an estate administrator. You can ask the bank if the person of the deceased has purchased any life insurance policy.

• Unclaimed Asset Office: If a life insurance company dies in the deadline, if they fail to find any beneficiary, they will repay the money to the unclaimed asset office. A good place to start is the National Association of Unclaimed Assets Executives

Services to find lost life insurance policy:

• MIB Group: For a $ 75 fee, the MIB Group provides a policy locator service. Over 400 insurance companies use the MIB group to verify information on life insurance applications. MIB's database contains information on specific personal life insurance policies and goes into January 1, 1996. The previous policies do not exist in the database, or life insurance policies or small policies ($ 100,000 and below) will not guarantee.

• National Association of Insurance Commissioners: NAIC provides free life insurance locator service. NAIC All Participating Institutions are looking for their records, regardless of the level of policy purchased.

Tips to avoid a lost life insurance policy:

• If you have a life insurance policy, it is important for your users to know about it. You do not want to look for them - you can find it and can not claim the money. Here are the tips:

• Tell your users: You can search by looking for a policy. They should only have the name of the life insurance company to start a request.

• In order to start a claim, only the beneficiaries require a life insurance company.

• American Council of Life Insurers' My Personal Insurance Lock: This tool can monitor life insurance, retirement savings plans and other funds. 

• You can share this information with your family. "The only people who see this information are those who fill out the form and are the consumers who choose to share it," said Whit Cornman, spokesman for the American Council of American Trade Associations (ACLI). He states that the organization will not get information.

• Secure deposit box does not store a policy: ACLI recommends that you do not store life insurance policies in a secure deposit box. In many states, the boxes are sealed over death, which is the delay of the payment if your beneficiaries are looking for policy.