That's where the Life Insurance Policy Locator comes in. This free online tool, maintained by the NAIC, has received 227,551 requests countrywide, which has led to 81,349 matches of life insurance policies or annuities with claim amounts of
"According to a recent NAIC survey (https://content.naic.org/article/news_release_new_naic_survey_shows_most_life_insurance_beneficiaries_arent_ready_their_roles.htm), many life insurance beneficiaries are unprepared," said
The online policy locator requests are secure, confidential, and free. Participating insurance companies are responsible for contacting beneficiaries and reporting matches to state insurance agencies through the NAIC Life Insurance Policy Locator.
Who can use the locator?
Anyone. This service is open to the public, including beneficiaries and legal representatives.
If a requester is a beneficiary and is notified by the company that a lost policy has been found, what information do people need to request their benefits?
Typically, a certified death certificate and company claim form must be submitted to the insurer which found a policy.
How long does it take for a request to be completed?
It may take up to 90 business days to complete the search. Please note a requester will not receive a response if no matches are found; the requester is not the beneficiary; or the requester does not have legal authority to obtain information about the policy.