By Brian S. Bullock, LSSBB, FMLI, ALHC, AIRC, ACS ( www.briansbullock.com)
👉National Association of Insurance Commissioners Lost Policy Location Service
Click on the above link. The NAIC site will then ask for verification of the following (hint: these are things you should do before using the application):
- I have made a diligent search of the deceased person’s records and property, including bank statement and safety deposit boxes. I have asked family members to identify all life insurance policies and annuity contracts that I have reason to believe covered the life of the deceased person named in the following request. The information I have provided is complete and accurate to the best of my knowledge.
- Life insurance companies will respond directly to me only if they have reason to believe they have any life insurance policies or annuity contracts in the name of the deceased, and I am the designated beneficiary or I am authorized to receive information.
- An insurance company may require additional information from me. This may include a notarized death certificate and documentation of my legal authority to request or obtain information about the deceased.
- The NAIC’s role with this request is to make it available for insurers to research.
Many times in the insurance industry, policies can be active for years and even decades. Insurance companies can change names, be acquired or sometimes go out of business.
If you need assistance in a life policy location, please send me a message via the contact form in the right column. 👉
