The best way to Discover an Outdated Life Insurance coverage Coverage


What You Ought to Know

  • Step one in discover out if somebody has life insurance coverage is to collect related data
  • State Insurance coverage Departments may help you find a life insurance coverage coverage if there’s one obtainable
  • If a major period of time has handed because the deceased’s dying, the coverage could also be listed as unclaimed property

If your beloved didn’t depart a transparent document of a life insurance coverage coverage, it may be troublesome to know discover an previous life insurance coverage coverage. We break down the principle steps on discover out if somebody has life insurance coverage, so you possibly can simply discover out whether or not the deceased had an energetic life insurance coverage coverage.

As soon as you discover the life insurance coverage coverage, it’s then a matter of coping with any life insurance coverage dying advantages, which can come within the type of a lump sum or a number of funds.

As a way to discover a life insurance coverage coverage and potential dying profit payouts, learn our information under.

The best way to Seek for Outdated Life Insurance coverage Insurance policies

There are a couple of methods to search out an previous life insurance coverage coverage, however the most effective methods is to contact your State Insurance coverage Division and use its life insurance coverage coverage locator.

You will want the deceased’s dying certificates and social safety quantity. Beneath, we now have listed the contact data for every State Insurance coverage Division.

Insurance coverage Division Contact Info by State

State Insurance coverage Division Telephone Quantity Web site
Alabama Alabama Division of Insurance coverage (334) 241-4141 www.aldoi.gov
Alaska Alaska Division of Insurance coverage (907) 269-7900 www.commerce.alaska.gov/ins
Arizona Arizona Division of Insurance coverage (602) 364-3100 insurance coverage.az.gov
Arkansas Arkansas Insurance coverage Division (501) 371-2600 insurance coverage.arkansas.gov
California California Division of Insurance coverage (800) 927-4357 www.insurance coverage.ca.gov
Colorado Colorado Division of Insurance coverage (303) 894-7499 doi.colorado.gov
Connecticut Connecticut Insurance coverage Division (860) 297-3800 portal.ct.gov/cid
Delaware Delaware Insurance coverage Division (302) 674-7300 insurance coverage.delaware.gov
Florida Florida Workplace of Insurance coverage Regulation (850) 413-3140 www.floir.com
Georgia Georgia Workplace of Insurance coverage and Security Fireplace Commissioner (404) 656-2070 www.oci.ga.gov
Hawaii Hawaii Division of Commerce and Client Affairs (808) 586-2790 cca.hawaii.gov/ins
Idaho Idaho Division of Insurance coverage (208) 334-4250 www.doi.idaho.gov
Illinois Illinois Division of Insurance coverage (312) 814-2420 insurance coverage.illinois.gov
Indiana Indiana Division of Insurance coverage (317) 232-2385 www.in.gov/idoi
Iowa Iowa Insurance coverage Division (515) 281-5705 iid.iowa.gov
Kansas Kansas Insurance coverage Division (785) 296-3071 insurance coverage.kansas.gov
Kentucky Kentucky Division of Insurance coverage (502) 564-3630 insurance coverage.ky.gov
Louisiana Louisiana Division of Insurance coverage (225) 342-5900 ldi.la.gov
Maine Maine Bureau of Insurance coverage (207) 624-8475 www.maine.gov/insurance coverage
Maryland Maryland Insurance coverage Administration (410) 468-2000 insurance coverage.maryland.gov
Massachusetts Massachusetts Division of Insurance coverage (617) 521-7794 www.mass.gov/doi
Michigan Michigan Division of Insurance coverage and Monetary Companies (877) 999-6442 www.michigan.gov/difs
Minnesota Minnesota Division of Commerce (651) 539-1500 mn.gov/commerce
Mississippi Mississippi Insurance coverage Division (601) 359-3569 www.mid.ms.gov
Missouri Missouri Division of Commerce and Insurance coverage (573) 751-4126 insurance coverage.mo.gov
Montana Montana State Auditor’s Workplace (406) 444-2040 csimt.gov
Nebraska Nebraska Division of Insurance coverage (402) 471-2201 doi.nebraska.gov
Nevada Nevada Division of Insurance coverage (702) 486-4009 doi.nv.gov
New Hampshire New Hampshire Insurance coverage Division (603) 271-2261 www.nh.gov/insurance coverage
New Jersey New Jersey Division of Banking and Insurance coverage (609) 292-7272 www.state.nj.us/dobi
New Mexico New Mexico Workplace of Superintendent of Insurance coverage (505) 827-4601 www.osi.state.nm.us
New York New York State Division of Monetary Companies (800) 342-3736 www.dfs.ny.gov
North Carolina North Carolina Division of Insurance coverage (855) 408-1212 www.ncdoi.gov
North Dakota North Dakota Insurance coverage Division (701) 328-2440 www.insurance coverage.nd.gov
Ohio Ohio Division of Insurance coverage (614) 644-2658 www.insurance coverage.ohio.gov
Oklahoma Oklahoma Insurance coverage Division (405) 521-2828 www.oid.okay.gov
Oregon Oregon Division of Monetary Regulation (888) 877-4894 dfr.oregon.gov
Pennsylvania Pennsylvania Insurance coverage Division (877) 881-6388 www.insurance coverage.pa.gov
Rhode Island Rhode Island Division of Enterprise Regulation (401) 462-9520 www.dbr.ri.gov
South Carolina South Carolina Division of Insurance coverage (803) 737-6160 www.doi.sc.gov
South Dakota South Dakota Division of Insurance coverage (605) 773-3563 dlr.sd.gov/insurance coverage
Tennessee Tennessee Division of Commerce and Insurance coverage (615) 741-2241 www.tn.gov/commerce/insurance coverage
Texas Texas Division of Insurance coverage (512) 676-6000 www.tdi.texas.gov
Utah Utah Insurance coverage Division (801) 538-3800 insurance coverage.utah.gov
Vermont Vermont Division of Monetary Regulation (802) 828-3301 dfr.vermont.gov
Virginia Virginia State Company Fee (804) 371-9741 scc.virginia.gov/boi
Washington Washington Workplace of the Insurance coverage Commissioner (800) 562-6900 www.insurance coverage.wa.gov
Washington D.C. Washington D.C. Division of Insurance coverage (202) 727-8000 disb.dc.gov
West Virginia West Virginia Workplaces of the Insurance coverage Commissioner (304) 558-3386 insurance coverage.wv.gov
Wisconsin Wisconsin Workplace of the Commissioner of Insurance coverage (608) 266-3585 oci.wi.gov
Wyoming Wyoming Division of Insurance coverage (307) 777-7401 doi.wyo.gov

Learn extra:

You possibly can name your state’s division straight, or you possibly can go to the web site for assist finding a life insurance coverage coverage. As soon as you discover the life insurance coverage coverage, additionally, you will be capable to uncover in case you had been listed as a life insurance coverage beneficiary on the coverage.

Your life insurance coverage quotes are at all times free.

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Utilizing a Life Insurance coverage Coverage Locator

Once you contact your State Insurance coverage Division, it’s useful to have gathered data on the coverage if attainable. This may assist the State Insurance coverage Division find the deceased’s life insurance coverage coverage if one is to be discovered.

The coverage data you must search for is as follows:

Steps to Seek for Outdated Life Insurance coverage Insurance policies

Steps Info to Search for
Search the deceased’s paperwork Proof of coverage and related data
Search by paper and digital information Insurance coverage-related paperwork
Test financial institution statements Checks or computerized drafts to life insurance coverage firms
Test mail and e-mail Premium or dividend notices, annual notices
Evaluation tax returns File of curiosity earnings or bills paid to insurance coverage firms
Test software paperwork Checklist of different life insurance coverage insurance policies

Whereas it might take some time to dig by paperwork to search out the mandatory paperwork, keep in mind that it’s a lot simpler and sooner in your State Insurance coverage Division to search out an insurance coverage coverage you probably have not less than a number of the documentation listed above proving that there’s an insurance coverage coverage in existence.

In case you have any confusion about how life insurance coverage insurance policies and payouts work when in search of a coverage, learn our information on how does life insurance coverage work for extra data.

Contacting the State Insurance coverage Division

You too can contact the State Insurance coverage Division in case you need assistance finding a life insurance coverage coverage as a result of some data is lacking. Whilst you don’t must know all of the coverage data, like if the deceased had a time period life or everlasting life insurance coverage coverage, you must know fundamental details about the deceased and the insurance coverage firm.

Beneath, we’ve listed some situations the place you may need hassle discovering misplaced life insurance coverage due to an absence of fundamental data, in addition to what you must do in every case.

Strategies of Finding an Current Life Insurance coverage Coverage

Strategies Steps
NAIC Life Insurance coverage Coverage Locator Service Submit a request with related data
State’s Unclaimed Property Workplace Search the state’s unclaimed property database
Insurance coverage firm modified its identify or offered Recommendations on discovering insurance coverage firms that underwent modifications
Firm went bankrupt Contact the state life and well being warranty affiliation
Coverage might have been bought in Canada Attain out to the Canadian Ombudservice for Life and Well being Insurance coverage
Price-based companies Companies provided by MIB and personal firms for a price

Troubleshooting by following the steps above will enable you to along with your previous insurance coverage coverage search.

Ideas for Discovering an Outdated Life Insurance coverage Coverage

If you happen to aren’t positive the place to start out along with your search, check out our suggestions under on discover out if somebody has life insurance coverage.

Steps to Discover a Misplaced Life Insurance coverage Coverage

Steps Info to Search for
Undergo the deceased’s paperwork Life insurance coverage coverage amongst paperwork, storage, or protected deposit field
Test digital information Laptop, exterior laborious drive, or cloud system
Search financial institution statements Funds or checks to life insurance coverage firms
Evaluation tax returns File of curiosity earnings or bills paid to insurance coverage firms
Test e-mail or mail Premium fee reminders, dividend notices, or advertising supplies
Use NAIC Life Insurance coverage Coverage Locator software Relationship to the deceased and related private particulars
Contact state’s insurance coverage division Primary details about the deceased and a replica of the dying certificates
Test unclaimed property packages State packages for unclaimed life insurance coverage insurance policies
Attain out to the deceased’s employer Advantages or HR division for data on present insurance policies
Seek the advice of monetary advisors, accountants, and many others. Inquire a few life insurance coverage coverage in place
Attempt the MIB Group Database seek for life insurance coverage software data

As you possibly can see, there are many methods to gather the data wanted. Though some strategies could also be extra time-consuming, the data gathered will enable you to decide whether or not there was an energetic life insurance coverage coverage.

Your life insurance coverage quotes are at all times free.

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Distinctive Challenges to Discovering Outdated Life Insurance coverage

Typically, the challenges that come up when in search of an previous life insurance coverage coverage need to do with modified data or a major lapse of time between the deceased’s dying and the seek for a life insurance coverage coverage.

For instance, the corporate that held the deceased’s life insurance coverage coverage might have gone beneath or modified its identify. This could make it tougher to trace down the corporate that held the life insurance coverage coverage.

If a major period of time has handed because the deceased’s dying and if you began investigating for a life insurance coverage coverage, this will additionally make it trickier to search out the coverage.

At this level, it is going to be thought of unclaimed property, so you’ll have to look by a number of databases to search out the life insurance coverage coverage.

When Occurs When You Can’t Discover an Outdated Life Insurance coverage Coverage

If you happen to can’t discover an previous life insurance coverage plan, guarantee it’s not listed as unclaimed property someplace. Double-check that you’ve the data right, as nicely. (For extra data, learn our “The best way to Discover an Unclaimed Life Insurance coverage Coverage“).

If you happen to nonetheless can’t discover an previous life insurance coverage coverage, it’s attainable that there is probably not one obtainable. Maybe the deceased had a life insurance coverage coverage, however they let it lapse earlier than their dying, making the life insurance coverage coverage invalid.

Backside Line: Discovering Outdated Life Insurance coverage Insurance policies

Relating to steps in discover life insurance coverage insurance policies, don’t be discouraged in case you can’t discover a life insurance coverage coverage instantly. It might take a bit of labor and analysis to search out an older life insurance coverage coverage, particularly if it has been labeled as unclaimed property.

Nevertheless, by gathering data and utilizing authorities insurance coverage websites and assets, you must be capable to uncover a coverage.We hope that our information on discover an previous life insurance coverage coverage has been useful.

If you’re trying to buy a life insurance coverage coverage your self, be certain that to maintain an in depth document of the coverage in your beneficiaries and browse our information on kinds of life insurance coverage to search out the most effective coverage in your wants.

We additionally provide useful data that solutions questions like “do you want a Social Safety Quantity to get life insurance coverage” to assist information you thru the appliance course of.

Regularly Requested Questions

How can I discover out if a beloved one had a insurance coverage coverage?

You possibly can contact your State Insurance coverage Division for assist discovering misplaced insurance coverage insurance policies.

Who can declare previous insurance coverage insurance policies?

In case you have positioned the coverage utilizing a insurance coverage coverage locator, this doesn’t routinely imply you get a insurance coverage payout. You have to be a listed beneficiary on a insurance coverage coverage to say an previous insurance coverage coverage dying profit.

How can I examine if I’m a beneficiary of a insurance coverage coverage?

First, you have to to search out out if there’s a insurance coverage coverage by an previous insurance coverage coverage search. Then, you possibly can contact the insurance coverage firm to see in case you are a listed beneficiary.

What data do I must discover a misplaced insurance coverage coverage?

At a naked minimal, you have to the fundamental details about the deceased, so you are able to do fundamental searches like a insurance coverage coverage search by social safety quantity or a insurance coverage coverage search by identify and coverage quantity. 

Can a insurance coverage coverage be positioned after the policyholder’s dying?

Sure, you should utilize a insurance coverage coverage locator to discover a coverage after the policyholder’s dying.

How lengthy does it take to discover a misplaced insurance coverage coverage?

When performing an previous insurance coverage coverage search, the time it takes will depend on what data you have got and which instruments you employ. For instance, in case you are utilizing a authorities web site to discover a coverage, it might take as much as a number of months to obtain a reply.

What occurs if a insurance coverage coverage can’t be discovered?

If a insurance coverage coverage can’t be discovered with a insurance coverage coverage locator and no beneficiaries step ahead, then after a couple of years the insurance coverage firm will typically flip the cash over to the state.

How do I forestall shedding monitor of my insurance coverage coverage sooner or later?

As a result of insurance coverage is a crucial asset in your family members after you go, you will need to preserve monitor of it. Be certain that to maintain coverage particulars and different related data in a protected spot that your beneficiaries will simply be capable to entry. Learn our information on “Is insurance coverage an asset” to be taught extra.

Your life insurance coverage quotes are at all times free.

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Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan has been working within the insurance coverage business since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which era she earned her Property and Casualty license in all 50 states.
After a number of years she expanded her insurance coverage experience, incomes her license in Well being and AD&D insurance coverage as nicely. She has labored for small well being in…

Tim Bain

Founder & Life Insurance coverage Agent

Tim Bain is a licensed life insurance coverage agent with 23 years of expertise serving to individuals shield their households and companies with time period life insurance coverage. 
His insurance coverage experience has been featured in a number of publications, together with Investopedia and eFinancial. He additionally does digital marking and evaluation for KPS/3, a communications and marking agency positioned in Nevada. 

Founder & Life Insurance coverage Agent

Editorial Pointers: We’re a free on-line useful resource for anybody excited about studying extra about life insurance coverage. Our aim is to be an goal, third-party useful resource for all the things life insurance-related. We replace our web site commonly, and all content material is reviewed by life insurance coverage consultants.

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