{"id":271020,"date":"2025-06-03T19:01:36","date_gmt":"2025-06-03T19:01:36","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/how-to-find-an-old-life-insurance-policy\/"},"modified":"2025-06-03T19:01:36","modified_gmt":"2025-06-03T19:01:36","slug":"how-to-find-an-old-life-insurance-policy","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=271020","title":{"rendered":"How to Find an Old Life Insurance Policy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"su-box su-box-style-default\">\n<p>What You Should Know<\/p>\n<div class=\"su-box-content su-u-clearfix su-u-trim\">\n<ul>\n<li>The first step in how to find out if someone has life insurance is to gather relevant information<\/li>\n<li>State Insurance Departments can help you locate a life insurance policy if there is one available<\/li>\n<li>If a significant amount of time has passed since the deceased\u2019s death, the policy may be listed as unclaimed property<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>If your loved one didn\u2019t leave a clear record of a life insurance policy, it can be difficult to know how to find an old life insurance policy. We break down the main steps on <a href=\"https:\/\/www.quickquote.com\/how-to-find-out-if-someone-has-life-insurance\/\">how to find out if someone has life insurance<\/a>, so you can easily find out whether the deceased had an active life insurance policy.<\/p>\n<p>Once you find the life insurance policy, it is then a matter of dealing with any <a href=\"https:\/\/www.quickquote.com\/life-insurance-death-benefit\/\">life insurance death benefits<\/a>, which may come in the form of a lump sum or multiple payments.<\/p>\n<p>In order to find a life insurance policy and potential death benefit payouts, read our guide below.<\/p>\n<h2>How to Search for Old Life Insurance Policies<span class=\"custom-toc\" id=\"how-to-search-for-old-life-insurance-policies\" data-toc=\"How to Search for Old Life Insurance Policies\"\/><\/h2>\n<p>There are a few ways to find an old life insurance policy, but one of the best ways is to contact your State Insurance Department and use its life insurance policy locator.<\/p>\n<p>You will need the deceased\u2019s death certificate and social security number. Below, we have listed the contact information for each State Insurance Department.<\/p>\n<p><span id=\"tablepress-1404-no-2-description\" class=\"tablepress-table-description tablepress-table-description-id-1404\"><strong>Insurance Department Contact Information by State<\/strong><\/span><\/p>\n<div class=\"phoenix-tablepress-wrapper\" id=\"phoenix-1404-tablepress-wrapper\">\n<table id=\"tablepress-1404-no-2\" class=\"tablepress tablepress-id-1404\" aria-describedby=\"tablepress-1404-no-2-description\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">State<\/th>\n<th class=\"column-2\">Insurance Department<\/th>\n<th class=\"column-3\">Phone Number<\/th>\n<th class=\"column-4\">Website<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">Alabama<\/td>\n<td class=\"column-2\">Alabama Department of Insurance<\/td>\n<td class=\"column-3\">(334) 241-4141<\/td>\n<td class=\"column-4\">www.aldoi.gov<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">Alaska<\/td>\n<td class=\"column-2\">Alaska Division of Insurance<\/td>\n<td class=\"column-3\">(907) 269-7900<\/td>\n<td class=\"column-4\">www.commerce.alaska.gov\/ins<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">Arizona<\/td>\n<td class=\"column-2\">Arizona Department of Insurance<\/td>\n<td class=\"column-3\">(602) 364-3100<\/td>\n<td class=\"column-4\">insurance.az.gov<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">Arkansas<\/td>\n<td class=\"column-2\">Arkansas Insurance Department<\/td>\n<td class=\"column-3\">(501) 371-2600<\/td>\n<td class=\"column-4\">insurance.arkansas.gov<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\">California<\/td>\n<td class=\"column-2\">California Department of Insurance<\/td>\n<td class=\"column-3\">(800) 927-4357<\/td>\n<td class=\"column-4\">www.insurance.ca.gov<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td class=\"column-1\">Colorado<\/td>\n<td class=\"column-2\">Colorado Division of Insurance<\/td>\n<td class=\"column-3\">(303) 894-7499<\/td>\n<td class=\"column-4\">doi.colorado.gov<\/td>\n<\/tr>\n<tr class=\"row-8\">\n<td class=\"column-1\">Connecticut<\/td>\n<td class=\"column-2\">Connecticut Insurance Department<\/td>\n<td class=\"column-3\">(860) 297-3800<\/td>\n<td class=\"column-4\">portal.ct.gov\/cid<\/td>\n<\/tr>\n<tr class=\"row-9\">\n<td class=\"column-1\">Delaware<\/td>\n<td class=\"column-2\">Delaware Insurance Department<\/td>\n<td class=\"column-3\">(302) 674-7300<\/td>\n<td class=\"column-4\">insurance.delaware.gov<\/td>\n<\/tr>\n<tr class=\"row-10\">\n<td class=\"column-1\">Florida<\/td>\n<td class=\"column-2\">Florida Office of Insurance Regulation<\/td>\n<td class=\"column-3\">(850) 413-3140<\/td>\n<td class=\"column-4\">www.floir.com<\/td>\n<\/tr>\n<tr class=\"row-11\">\n<td class=\"column-1\">Georgia<\/td>\n<td class=\"column-2\">Georgia Office of Insurance and Safety Fire Commissioner<\/td>\n<td class=\"column-3\">(404) 656-2070<\/td>\n<td class=\"column-4\">www.oci.ga.gov<\/td>\n<\/tr>\n<tr class=\"row-12\">\n<td class=\"column-1\">Hawaii<\/td>\n<td class=\"column-2\">Hawaii Department of Commerce and Consumer Affairs<\/td>\n<td class=\"column-3\">(808) 586-2790<\/td>\n<td class=\"column-4\">cca.hawaii.gov\/ins<\/td>\n<\/tr>\n<tr class=\"row-13\">\n<td class=\"column-1\">Idaho<\/td>\n<td class=\"column-2\">Idaho Department of Insurance<\/td>\n<td class=\"column-3\">(208) 334-4250<\/td>\n<td class=\"column-4\">www.doi.idaho.gov<\/td>\n<\/tr>\n<tr class=\"row-14\">\n<td class=\"column-1\">Illinois<\/td>\n<td class=\"column-2\">Illinois Department of Insurance<\/td>\n<td class=\"column-3\">(312) 814-2420<\/td>\n<td class=\"column-4\">insurance.illinois.gov<\/td>\n<\/tr>\n<tr class=\"row-15\">\n<td class=\"column-1\">Indiana<\/td>\n<td class=\"column-2\">Indiana Department of Insurance<\/td>\n<td class=\"column-3\">(317) 232-2385<\/td>\n<td class=\"column-4\">www.in.gov\/idoi<\/td>\n<\/tr>\n<tr class=\"row-16\">\n<td class=\"column-1\">Iowa<\/td>\n<td class=\"column-2\">Iowa Insurance Division<\/td>\n<td class=\"column-3\">(515) 281-5705<\/td>\n<td class=\"column-4\">iid.iowa.gov<\/td>\n<\/tr>\n<tr class=\"row-17\">\n<td class=\"column-1\">Kansas<\/td>\n<td class=\"column-2\">Kansas Insurance Department<\/td>\n<td class=\"column-3\">(785) 296-3071<\/td>\n<td class=\"column-4\">insurance.kansas.gov<\/td>\n<\/tr>\n<tr class=\"row-18\">\n<td class=\"column-1\">Kentucky<\/td>\n<td class=\"column-2\">Kentucky Department of Insurance<\/td>\n<td class=\"column-3\">(502) 564-3630<\/td>\n<td class=\"column-4\">insurance.ky.gov<\/td>\n<\/tr>\n<tr class=\"row-19\">\n<td class=\"column-1\">Louisiana<\/td>\n<td class=\"column-2\">Louisiana Department of Insurance<\/td>\n<td class=\"column-3\">(225) 342-5900<\/td>\n<td class=\"column-4\">ldi.la.gov<\/td>\n<\/tr>\n<tr class=\"row-20\">\n<td class=\"column-1\">Maine<\/td>\n<td class=\"column-2\">Maine Bureau of Insurance<\/td>\n<td class=\"column-3\">(207) 624-8475<\/td>\n<td class=\"column-4\">www.maine.gov\/insurance<\/td>\n<\/tr>\n<tr class=\"row-21\">\n<td class=\"column-1\">Maryland<\/td>\n<td class=\"column-2\">Maryland Insurance Administration<\/td>\n<td class=\"column-3\">(410) 468-2000<\/td>\n<td class=\"column-4\">insurance.maryland.gov<\/td>\n<\/tr>\n<tr class=\"row-22\">\n<td class=\"column-1\">Massachusetts<\/td>\n<td class=\"column-2\">Massachusetts Division of Insurance<\/td>\n<td class=\"column-3\">(617) 521-7794<\/td>\n<td class=\"column-4\">www.mass.gov\/doi<\/td>\n<\/tr>\n<tr class=\"row-23\">\n<td class=\"column-1\">Michigan<\/td>\n<td class=\"column-2\">Michigan Department of Insurance and Financial Services<\/td>\n<td class=\"column-3\">(877) 999-6442<\/td>\n<td class=\"column-4\">www.michigan.gov\/difs<\/td>\n<\/tr>\n<tr class=\"row-24\">\n<td class=\"column-1\">Minnesota<\/td>\n<td class=\"column-2\">Minnesota Department of Commerce<\/td>\n<td class=\"column-3\">(651) 539-1500<\/td>\n<td class=\"column-4\">mn.gov\/commerce<\/td>\n<\/tr>\n<tr class=\"row-25\">\n<td class=\"column-1\">Mississippi<\/td>\n<td class=\"column-2\">Mississippi Insurance Department<\/td>\n<td class=\"column-3\">(601) 359-3569<\/td>\n<td class=\"column-4\">www.mid.ms.gov<\/td>\n<\/tr>\n<tr class=\"row-26\">\n<td class=\"column-1\">Missouri<\/td>\n<td class=\"column-2\">Missouri Department of Commerce and Insurance<\/td>\n<td class=\"column-3\">(573) 751-4126<\/td>\n<td class=\"column-4\">insurance.mo.gov<\/td>\n<\/tr>\n<tr class=\"row-27\">\n<td class=\"column-1\">Montana<\/td>\n<td class=\"column-2\">Montana State Auditor&#8217;s Office<\/td>\n<td class=\"column-3\">(406) 444-2040<\/td>\n<td class=\"column-4\">csimt.gov<\/td>\n<\/tr>\n<tr class=\"row-28\">\n<td class=\"column-1\">Nebraska<\/td>\n<td class=\"column-2\">Nebraska Department of Insurance<\/td>\n<td class=\"column-3\">(402) 471-2201<\/td>\n<td class=\"column-4\">doi.nebraska.gov<\/td>\n<\/tr>\n<tr class=\"row-29\">\n<td class=\"column-1\">Nevada<\/td>\n<td class=\"column-2\">Nevada Division of Insurance<\/td>\n<td class=\"column-3\">(702) 486-4009<\/td>\n<td class=\"column-4\">doi.nv.gov<\/td>\n<\/tr>\n<tr class=\"row-30\">\n<td class=\"column-1\">New Hampshire<\/td>\n<td class=\"column-2\">New Hampshire Insurance Department<\/td>\n<td class=\"column-3\">(603) 271-2261<\/td>\n<td class=\"column-4\">www.nh.gov\/insurance<\/td>\n<\/tr>\n<tr class=\"row-31\">\n<td class=\"column-1\">New Jersey<\/td>\n<td class=\"column-2\">New Jersey Department of Banking and Insurance<\/td>\n<td class=\"column-3\">(609) 292-7272<\/td>\n<td class=\"column-4\">www.state.nj.us\/dobi<\/td>\n<\/tr>\n<tr class=\"row-32\">\n<td class=\"column-1\">New Mexico<\/td>\n<td class=\"column-2\">New Mexico Office of Superintendent of Insurance<\/td>\n<td class=\"column-3\">(505) 827-4601<\/td>\n<td class=\"column-4\">www.osi.state.nm.us<\/td>\n<\/tr>\n<tr class=\"row-33\">\n<td class=\"column-1\">New York<\/td>\n<td class=\"column-2\">New York State Department of Financial Services<\/td>\n<td class=\"column-3\">(800) 342-3736<\/td>\n<td class=\"column-4\">www.dfs.ny.gov<\/td>\n<\/tr>\n<tr class=\"row-34\">\n<td class=\"column-1\">North Carolina<\/td>\n<td class=\"column-2\">North Carolina Department of Insurance<\/td>\n<td class=\"column-3\">(855) 408-1212<\/td>\n<td class=\"column-4\">www.ncdoi.gov<\/td>\n<\/tr>\n<tr class=\"row-35\">\n<td class=\"column-1\">North Dakota<\/td>\n<td class=\"column-2\">North Dakota Insurance Department<\/td>\n<td class=\"column-3\">(701) 328-2440<\/td>\n<td class=\"column-4\">www.insurance.nd.gov<\/td>\n<\/tr>\n<tr class=\"row-36\">\n<td class=\"column-1\">Ohio<\/td>\n<td class=\"column-2\">Ohio Department of Insurance<\/td>\n<td class=\"column-3\">(614) 644-2658<\/td>\n<td class=\"column-4\">www.insurance.ohio.gov<\/td>\n<\/tr>\n<tr class=\"row-37\">\n<td class=\"column-1\">Oklahoma<\/td>\n<td class=\"column-2\">Oklahoma Insurance Department<\/td>\n<td class=\"column-3\">(405) 521-2828<\/td>\n<td class=\"column-4\">www.oid.ok.gov<\/td>\n<\/tr>\n<tr class=\"row-38\">\n<td class=\"column-1\">Oregon<\/td>\n<td class=\"column-2\">Oregon Division of Financial Regulation<\/td>\n<td class=\"column-3\">(888) 877-4894<\/td>\n<td class=\"column-4\">dfr.oregon.gov<\/td>\n<\/tr>\n<tr class=\"row-39\">\n<td class=\"column-1\">Pennsylvania<\/td>\n<td class=\"column-2\">Pennsylvania Insurance Department<\/td>\n<td class=\"column-3\">(877) 881-6388<\/td>\n<td class=\"column-4\">www.insurance.pa.gov<\/td>\n<\/tr>\n<tr class=\"row-40\">\n<td class=\"column-1\">Rhode Island<\/td>\n<td class=\"column-2\">Rhode Island Department of Business Regulation<\/td>\n<td class=\"column-3\">(401) 462-9520<\/td>\n<td class=\"column-4\">www.dbr.ri.gov<\/td>\n<\/tr>\n<tr class=\"row-41\">\n<td class=\"column-1\">South Carolina<\/td>\n<td class=\"column-2\">South Carolina Department of Insurance<\/td>\n<td class=\"column-3\">(803) 737-6160<\/td>\n<td class=\"column-4\">www.doi.sc.gov<\/td>\n<\/tr>\n<tr class=\"row-42\">\n<td class=\"column-1\">South Dakota<\/td>\n<td class=\"column-2\">South Dakota Division of Insurance<\/td>\n<td class=\"column-3\">(605) 773-3563<\/td>\n<td class=\"column-4\">dlr.sd.gov\/insurance<\/td>\n<\/tr>\n<tr class=\"row-43\">\n<td class=\"column-1\">Tennessee<\/td>\n<td class=\"column-2\">Tennessee Department of Commerce and Insurance<\/td>\n<td class=\"column-3\">(615) 741-2241<\/td>\n<td class=\"column-4\">www.tn.gov\/commerce\/insurance<\/td>\n<\/tr>\n<tr class=\"row-44\">\n<td class=\"column-1\">Texas<\/td>\n<td class=\"column-2\">Texas Department of Insurance<\/td>\n<td class=\"column-3\">(512) 676-6000<\/td>\n<td class=\"column-4\">www.tdi.texas.gov<\/td>\n<\/tr>\n<tr class=\"row-45\">\n<td class=\"column-1\">Utah<\/td>\n<td class=\"column-2\">Utah Insurance Department<\/td>\n<td class=\"column-3\">(801) 538-3800<\/td>\n<td class=\"column-4\">insurance.utah.gov<\/td>\n<\/tr>\n<tr class=\"row-46\">\n<td class=\"column-1\">Vermont<\/td>\n<td class=\"column-2\">Vermont Department of Financial Regulation<\/td>\n<td class=\"column-3\">(802) 828-3301<\/td>\n<td class=\"column-4\">dfr.vermont.gov<\/td>\n<\/tr>\n<tr class=\"row-47\">\n<td class=\"column-1\">Virginia<\/td>\n<td class=\"column-2\">Virginia State Corporation Commission<\/td>\n<td class=\"column-3\">(804) 371-9741<\/td>\n<td class=\"column-4\">scc.virginia.gov\/boi<\/td>\n<\/tr>\n<tr class=\"row-48\">\n<td class=\"column-1\">Washington<\/td>\n<td class=\"column-2\">Washington Office of the Insurance Commissioner<\/td>\n<td class=\"column-3\">(800) 562-6900<\/td>\n<td class=\"column-4\">www.insurance.wa.gov<\/td>\n<\/tr>\n<tr class=\"row-49\">\n<td class=\"column-1\">Washington D.C.<\/td>\n<td class=\"column-2\">Washington D.C. Department of Insurance<\/td>\n<td class=\"column-3\">(202) 727-8000<\/td>\n<td class=\"column-4\">disb.dc.gov<\/td>\n<\/tr>\n<tr class=\"row-50\">\n<td class=\"column-1\">West Virginia<\/td>\n<td class=\"column-2\">West Virginia Offices of the Insurance Commissioner<\/td>\n<td class=\"column-3\">(304) 558-3386<\/td>\n<td class=\"column-4\">insurance.wv.gov<\/td>\n<\/tr>\n<tr class=\"row-51\">\n<td class=\"column-1\">Wisconsin<\/td>\n<td class=\"column-2\">Wisconsin Office of the Commissioner of Insurance<\/td>\n<td class=\"column-3\">(608) 266-3585<\/td>\n<td class=\"column-4\">oci.wi.gov<\/td>\n<\/tr>\n<tr class=\"row-52\">\n<td class=\"column-1\">Wyoming<\/td>\n<td class=\"column-2\">Wyoming Department of Insurance<\/td>\n<td class=\"column-3\">(307) 777-7401<\/td>\n<td class=\"column-4\">doi.wyo.gov<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><!-- #tablepress-1404-no-2 from cache --><\/p>\n<p>Read more:<\/p>\n<p>You can call your state\u2019s department directly, or you can visit the website for help locating a life insurance policy. Once you find the life insurance policy, you will also be able to discover if you were listed as a <a href=\"https:\/\/www.quickquote.com\/how-to-choose-a-life-insurance-beneficiary\/\">life insurance beneficiary<\/a> on the policy.<\/p>\n<style><![CDATA[\n          \n          \n\n                  ]]><\/style>\n<section id=\"mda_95f08c\" class=\"alt-responsive-mda mda alt-shortcode\">\n<div class=\"mda-contents\">\n<p>Your life insurance quotes are always free.<\/p>\n<p class=\"secured-mda\"><img loading=\"lazy\" decoding=\"async\" alt=\"secured lock\" width=\"13\" height=\"13\" src=\"https:\/\/www.quickquote.com\/wp-content\/plugins\/leads-master\/assets\/images\/secured_lock.svg\"\/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.quickquote.com\/wp-content\/plugins\/leads-master\/assets\/images\/secured_lock.svg\" alt=\"secured lock\" width=\"13\" height=\"13\"\/>\u00a0Secured with SHA-256 Encryption<\/p>\n<\/p><\/div>\n<\/section>\n<h2>Using a Life Insurance Policy Locator<span class=\"custom-toc\" id=\"using-a-life-insurance-policy-locator\" data-toc=\"Using a Life Insurance Policy Locator\"\/><\/h2>\n<p>When you contact your State Insurance Department, it is helpful to have gathered information on the policy if possible. This will help the State Insurance Department locate the deceased\u2019s life insurance policy if one is to be found.<\/p>\n<p>The policy information you should look for is as follows:<\/p>\n<p><span id=\"tablepress-1405-no-2-description\" class=\"tablepress-table-description tablepress-table-description-id-1405\"><strong>Steps to Search for Old Life Insurance Policies<\/strong><\/span><\/p>\n<div class=\"phoenix-tablepress-wrapper\" id=\"phoenix-1405-tablepress-wrapper\">\n<table id=\"tablepress-1405-no-2\" class=\"tablepress tablepress-id-1405 col-1-w-50 col-2-w-50\" aria-describedby=\"tablepress-1405-no-2-description\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Steps<\/th>\n<th class=\"column-2\">Information to Look for<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">Search the deceased&#8217;s documents<\/td>\n<td class=\"column-2\">Evidence of policy and relevant information<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">Search through paper and digital files<\/td>\n<td class=\"column-2\">Insurance-related documents<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">Check bank statements<\/td>\n<td class=\"column-2\">Checks or automatic drafts to life insurance companies<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">Check mail and email<\/td>\n<td class=\"column-2\">Premium or dividend notices, annual notices<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\">Review tax returns<\/td>\n<td class=\"column-2\">Record of interest income or expenses paid to insurance companies<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td class=\"column-1\">Check application documents<\/td>\n<td class=\"column-2\">List of other life insurance policies<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><!-- #tablepress-1405-no-2 from cache --><\/p>\n<p>While it may take a while to dig through paperwork to find the necessary documents, bear in mind that it is much easier and faster for your State Insurance Department to find an insurance policy if you have at least some of the documentation listed above proving that there is an insurance policy in existence.<\/p>\n<p>If you have any confusion about how life insurance policies and payouts work when looking for a policy, read our guide on <a href=\"https:\/\/www.quickquote.com\/how-does-life-insurance-work\/\">how does life insurance work<\/a> for more information.<\/p>\n<h2>Contacting the State Insurance Department<span class=\"custom-toc\" id=\"contacting-the-state-insurance-department\" data-toc=\"Contacting the State Insurance Department\"\/><\/h2>\n<p>You can also contact the State Insurance Department if you need help locating a life insurance policy because some information is missing. While you don\u2019t need to know all the policy information, like if the deceased had a term life or <a href=\"https:\/\/www.quickquote.com\/permanent-life\/\">permanent life insurance<\/a> policy, you should know basic information about the deceased and the insurance company.<\/p>\n<p>Below, we\u2019ve listed some instances where you might have trouble finding lost life insurance because of a lack of basic information, as well as what you should do in each case.<\/p>\n<p><span id=\"tablepress-1406-no-2-description\" class=\"tablepress-table-description tablepress-table-description-id-1406\"><strong>Methods of Locating an Existing Life Insurance Policy<\/strong><\/span><\/p>\n<div class=\"phoenix-tablepress-wrapper\" id=\"phoenix-1406-tablepress-wrapper\">\n<table id=\"tablepress-1406-no-2\" class=\"tablepress tablepress-id-1406 col-1-w-50 col-2-w-50\" aria-describedby=\"tablepress-1406-no-2-description\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Methods<\/th>\n<th class=\"column-2\">Steps<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">NAIC Life Insurance Policy Locator Service<\/td>\n<td class=\"column-2\">Submit a request with relevant information<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">State&#8217;s Unclaimed Property Office<\/td>\n<td class=\"column-2\">Search the state&#8217;s unclaimed property database<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">Insurance company changed its name or sold<\/td>\n<td class=\"column-2\">Tips on finding insurance companies that underwent changes<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">Company went bankrupt<\/td>\n<td class=\"column-2\">Contact the state life and health guaranty association<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\">Policy may have been purchased in Canada<\/td>\n<td class=\"column-2\">Reach out to the Canadian Ombudservice for Life and Health Insurance<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td class=\"column-1\">Fee-based services<\/td>\n<td class=\"column-2\">Services offered by MIB and private companies for a fee<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><!-- #tablepress-1406-no-2 from cache --><\/p>\n<p>Troubleshooting by following the steps above will help you with your old insurance policy search.<\/p>\n<h2>Tips for Finding an Old Life Insurance Policy<span class=\"custom-toc\" id=\"tips-for-finding-an-old-life-insurance-policy\" data-toc=\"Tips for Finding an Old Life Insurance Policy\"\/><\/h2>\n<p>If you aren\u2019t sure where to start with your search, take a look at our tips below on how to find out if someone has life insurance.<\/p>\n<p><span id=\"tablepress-1407-no-2-description\" class=\"tablepress-table-description tablepress-table-description-id-1407\"><strong>Steps to Find a Lost Life Insurance Policy<\/strong><\/span><\/p>\n<div class=\"phoenix-tablepress-wrapper\" id=\"phoenix-1407-tablepress-wrapper\">\n<table id=\"tablepress-1407-no-2\" class=\"tablepress tablepress-id-1407 col-1-w-50 col-2-w-50\" aria-describedby=\"tablepress-1407-no-2-description\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Steps<\/th>\n<th class=\"column-2\">Information to Look for<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">Go through the deceased&#8217;s documents<\/td>\n<td class=\"column-2\">Life insurance policy among paperwork, storage, or safe deposit box<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">Check digital files<\/td>\n<td class=\"column-2\">Computer, external hard drive, or cloud system<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">Search bank statements<\/td>\n<td class=\"column-2\">Payments or checks to life insurance companies<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">Review tax returns<\/td>\n<td class=\"column-2\">Record of interest income or expenses paid to insurance companies<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\">Check email or mail<\/td>\n<td class=\"column-2\">Premium payment reminders, dividend notices, or marketing materials<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td class=\"column-1\">Use NAIC Life Insurance Policy Locator tool<\/td>\n<td class=\"column-2\">Relationship to the deceased and relevant personal details<\/td>\n<\/tr>\n<tr class=\"row-8\">\n<td class=\"column-1\">Contact state&#8217;s insurance department<\/td>\n<td class=\"column-2\">Basic information about the deceased and a copy of the death certificate<\/td>\n<\/tr>\n<tr class=\"row-9\">\n<td class=\"column-1\">Check unclaimed property programs<\/td>\n<td class=\"column-2\">State programs for unclaimed life insurance policies<\/td>\n<\/tr>\n<tr class=\"row-10\">\n<td class=\"column-1\">Reach out to the deceased&#8217;s employer<\/td>\n<td class=\"column-2\">Benefits or HR department for information on existing policies<\/td>\n<\/tr>\n<tr class=\"row-11\">\n<td class=\"column-1\">Consult financial advisors, accountants, etc.<\/td>\n<td class=\"column-2\">Inquire about a life insurance policy in place<\/td>\n<\/tr>\n<tr class=\"row-12\">\n<td class=\"column-1\">Try the MIB Group<\/td>\n<td class=\"column-2\">Database search for life insurance application information<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><!-- #tablepress-1407-no-2 from cache --><\/p>\n<p>As you can see, there are plenty of ways to collect the information needed. Although some methods may be more time-consuming, the information gathered will help you determine whether there was an active life insurance policy.<\/p>\n<style><![CDATA[\n          \n          \n\n                  ]]><\/style>\n<section id=\"mda_a15720\" class=\"alt-responsive-mda mda alt-shortcode\">\n<div class=\"mda-contents\">\n<p>Your life insurance quotes are always free.<\/p>\n<p class=\"secured-mda\"><img loading=\"lazy\" decoding=\"async\" alt=\"secured lock\" width=\"13\" height=\"13\" src=\"https:\/\/www.quickquote.com\/wp-content\/plugins\/leads-master\/assets\/images\/secured_lock.svg\"\/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.quickquote.com\/wp-content\/plugins\/leads-master\/assets\/images\/secured_lock.svg\" alt=\"secured lock\" width=\"13\" height=\"13\"\/>\u00a0Secured with SHA-256 Encryption<\/p>\n<\/p><\/div>\n<\/section>\n<h2>Unique Challenges to Finding Old Life Insurance<span class=\"custom-toc\" id=\"unique-challenges-to-finding-old-life-insurance\" data-toc=\"Unique Challenges to Finding Old Life Insurance\"\/><\/h2>\n<p>Often, the challenges that arise when looking for an old life insurance policy have to do with changed information or a significant lapse of time between the deceased\u2019s death and the search for a life insurance policy.<\/p>\n<p>For example, the company that held the deceased\u2019s life insurance policy may have gone under or changed its name. This can make it harder to track down the company that held the life insurance policy.<\/p>\n<p>If a significant amount of time has passed since the deceased\u2019s death and when you started investigating for a life insurance policy, this can also make it trickier to find the policy.<\/p>\n<p>At this point, it will be considered unclaimed property, so you may have to search through multiple databases to find the life insurance policy.<\/p>\n<h2>When Happens When You Can\u2019t Find an Old Life Insurance Policy<span class=\"custom-toc\" id=\"when-happens-when-you-cant-find-an-old-life-insurance-policy\" data-toc=\"When Happens When You Can\u2019t Find an Old Life Insurance Policy\"\/><\/h2>\n<p>If you can\u2019t find an old life insurance plan, ensure it\u2019s not listed as unclaimed property somewhere. Double-check that you have the information correct, as well. (For more information, read our \u201c<a href=\"https:\/\/www.QuickQuote.com\/how-to-find-an-unclaimed-life-insurance-policy\/\" target=\"_blank\">How to Find an Unclaimed Life Insurance Policy<\/a>\u201c).<\/p>\n<p>If you still can\u2019t find an old life insurance policy, it is possible that there may not be one available. Perhaps the deceased had a life insurance policy, but they let it lapse before their death, making the life insurance policy invalid.<\/p>\n<h2>Bottom Line: Finding Old Life Insurance Policies<span class=\"custom-toc\" id=\"bottom-line-finding-old-life-insurance-policies\" data-toc=\"Bottom Line: Finding Old Life Insurance Policies\"\/><\/h2>\n<p>When it comes to steps in how to find life insurance policies, don\u2019t be discouraged if you can\u2019t find a life insurance policy right away. It can take a bit of work and research to find an older life insurance policy, especially if it has been labeled as unclaimed property.<\/p>\n<p>However, by collecting information and using government insurance sites and resources, you should be able to discover a policy.We hope that our guide on how to find an old life insurance policy has been helpful.<\/p>\n<p>If you are looking to purchase a life insurance policy yourself, make sure to keep a detailed record of the policy for your beneficiaries and read our guide on <a href=\"https:\/\/www.quickquote.com\/different-types-of-life-insurance-explained\/\">types of life insurance<\/a> to find the best policy for your needs.<\/p>\n<p>We also offer helpful information that answers questions like \u201c<a href=\"https:\/\/www.quickquote.com\/ssn-requirement-for-life-insurance\/\">do you need a Social Security Number to get life insurance<\/a>\u201d to help guide you through the application process.<\/p>\n<div class=\"faq-container-regular-text faq-container-schema\">\n<h2 class=\"faq-headline\">Frequently Asked Questions<span class=\"custom-toc\" id=\"frequently-asked-questions\" data-toc=\"Frequently Asked Questions\"\/><\/h2>\n<h3 class=\"question\" id=\"how-can-i-find-out-if-a-loved-one-had-a-insurance-policy\"><span class=\"ez-toc-section\" id=\"how-can-i-find-out-if-a-loved-one-had-a-insurance-policy\"\/>How can I find out if a loved one had a  insurance policy?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>You can contact your State Insurance Department for help finding lost  insurance policies.<\/p>\n<\/div>\n<\/div>\n<h3 class=\"question\" id=\"who-can-claim-old-insurance-policies\"><span class=\"ez-toc-section\" id=\"who-can-claim-old-insurance-policies\"\/>Who can claim old  insurance policies?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>If you have located the policy using a  insurance policy locator, this doesn\u2019t automatically mean you get a  insurance payout. You must be a listed beneficiary on a  insurance policy to claim an old  insurance policy death benefit.<\/p>\n<\/div>\n<\/div>\n<h3 class=\"question\" id=\"how-can-i-check-if-i-am-a-beneficiary-of-a-insurance-policy\"><span class=\"ez-toc-section\" id=\"how-can-i-check-if-i-am-a-beneficiary-of-a-insurance-policy\"\/>How can I check if I am a beneficiary of a  insurance policy?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>First, you will need to find out if there is a  insurance policy through an old  insurance policy search. Then, you can contact the  insurance company to see if you are a listed beneficiary.<\/p>\n<\/div>\n<\/div>\n<h3 class=\"question\" id=\"what-information-do-i-need-to-find-a-lost-insurance-policy\"><span class=\"ez-toc-section\" id=\"what-information-do-i-need-to-find-a-lost-insurance-policy\"\/>What information do I need to find a lost  insurance policy?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>At a bare minimum, you will need the basic information about the deceased, so you can do basic searches like a  insurance policy search by social security number or a  insurance policy search by name and policy number.\u00a0<\/p>\n<\/div>\n<\/div>\n<h3 class=\"question\" id=\"can-a-insurance-policy-be-located-after-the-policyholders-death\"><span class=\"ez-toc-section\" id=\"can-a-insurance-policy-be-located-after-the-policyholders-death\"\/>Can a  insurance policy be located after the policyholder\u2019s death?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>Yes, you can use a  insurance policy locator to find a policy after the policyholder\u2019s death.<\/p>\n<\/div>\n<\/div>\n<h3 class=\"question\" id=\"how-long-does-it-take-to-find-a-lost-insurance-policy\"><span class=\"ez-toc-section\" id=\"how-long-does-it-take-to-find-a-lost-insurance-policy\"\/>How long does it take to find a lost  insurance policy?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>When performing an old insurance policy search, the time it takes depends on what information you have and which tools you use. For example, if you are using a government site to find a policy, it may take up to several months to receive a reply.<\/p>\n<\/div>\n<\/div>\n<h3 class=\"question\" id=\"what-happens-if-a-insurance-policy-cannot-be-found\"><span class=\"ez-toc-section\" id=\"what-happens-if-a-insurance-policy-cannot-be-found\"\/>What happens if a  insurance policy cannot be found?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>If a  insurance policy can\u2019t be found with a  insurance policy locator and no beneficiaries step forward, then after a few years the insurance company will generally turn the money over to the state.<\/p>\n<\/div>\n<\/div>\n<h3 class=\"question\" id=\"how-do-i-prevent-losing-track-of-my-insurance-policy-in-the-future\"><span class=\"ez-toc-section\" id=\"how-do-i-prevent-losing-track-of-my-insurance-policy-in-the-future\"\/>How do I prevent losing track of my  insurance policy in the future?<br \/><span class=\"ez-toc-section-end\"\/><\/h3>\n<div class=\"answer\">\n<div class=\"inner\">\n<p>Because  insurance is an important asset for your loved ones after you pass, it is important to keep track of it. Make sure to keep policy details and other relevant information in a safe spot that your beneficiaries will easily be able to access. Read our guide on \u201c<a href=\"https:\/\/www.quickquote.com\/is--insurance-an-asset\/\">Is  insurance an asset<\/a>\u201d to learn more.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<style><![CDATA[\n          \n          \n\n                  ]]><\/style>\n<section id=\"mda_4f27f3\" class=\"alt-responsive-mda mda alt-shortcode\">\n<div class=\"mda-contents\">\n<p>Your life insurance quotes are always free.<\/p>\n<p class=\"secured-mda\"><img loading=\"lazy\" decoding=\"async\" alt=\"secured lock\" width=\"13\" height=\"13\" src=\"https:\/\/www.quickquote.com\/wp-content\/plugins\/leads-master\/assets\/images\/secured_lock.svg\"\/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.quickquote.com\/wp-content\/plugins\/leads-master\/assets\/images\/secured_lock.svg\" alt=\"secured lock\" width=\"13\" height=\"13\"\/>\u00a0Secured with SHA-256 Encryption<\/p>\n<\/p><\/div>\n<\/section>\n<div class=\"post-eat\">\n<div id=\"eat-block-top\">\n<div class=\"eat-blocks-main \">\n<div class=\"eat-experts-wrapper\">\n<div class=\"eat-block author \">\n<div class=\"eat-inner\">\n<div class=\"eat-bio\">\n<div class=\"eat-bio-box\">\n<p class=\"byline\">Written by:<\/p>\n<p class=\"title\"><b>Rachael Brennan<\/b><\/p>\n<p class=\"moniker\">Licensed Insurance Agent<\/p>\n<p>Rachael Brennan\u00a0has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for\u00a021st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.&#13;<br \/>\n&#13;<br \/>\nAfter several years she expanded her insurance expertise, earning her license in Health and AD&amp;D insurance as well. She has worked for small health in&#8230;<\/p>\n<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div class=\"eat-block reviewer\">\n<div class=\"eat-inner\">\n<div class=\"eat-bio\">\n<div class=\"eat-bio-box\">\n<p class=\"byline\">Reviewed by:<\/p>\n<p class=\"title\"><b>Tim Bain<\/b><\/p>\n<p class=\"moniker\">Founder &amp; Life Insurance Agent<\/p>\n<p>Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.\u00a0&#13;<br \/>\n&#13;<br \/>\nHis insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS\/3, a communications and marking firm located in Nevada.\u00a0<\/p>\n<\/div>\n<\/div>\n<div class=\"eat-info \">\n<p class=\"eat-moniker\">Founder &amp; Life Insurance Agent<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"editorial-disclaimer\">\n<p><a href=\"https:\/\/www.quickquote.com\/editorial-guidelines\/\">Editorial Guidelines<\/a>: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>What You Should Know The first step in how to find out if someone has life insurance is to gather relevant information State Insurance Departments can help you locate a life insurance policy if there is one available If a significant amount of time has passed since the deceased\u2019s death, the policy may be listed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":226730,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[10959,11034,3333,11572],"dealstore":[],"offerexpiration":[],"class_list":["post-271020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-find","tag-insurance","tag-life","tag-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - 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