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How do you find out if someone had a life insurance policy before they died?
Wiki User
∙ 12y ago
The National Association of Insurance Commissioners has a "Life Insurance Company Location System" to help you find state insurance department personnel who might help identify companies that might have written life insurance on the deceased.
Check with the state's unclaimed property office. -If a life insurance company knows that an insured client has died but can't find the beneficiary, the death benefit would have to be escheated to the state of last known address of owner or to the state in which the policy was bought as "unclaimed property."
The National Association of Unclaimed Property Administrators (unclaimed.org) - NAUPA is the association of the state unclaimed property programs, but the databases are located and maintained by each state, not NAUPA. However, most states participate in MissingMoney and we suggest that you search there
The Center for Life Insurance Disputes - contact this group and you can do a lost life insurance policy search through their website.
Here's are some tips:
If the house and car were insured, start with the local agents who sold those policies. Insurance companies usually keep track of customer names and Social Security numbers.
If the policy was active, a premium notice eventually will come in the mail. Look for canceled insurance checks.
Private firms specialize in finding lost life insurance for a fee. Search the internet for "find lost life insurance" "missing life insurance policies" "Life Benefits Search" or "Lost Life Insurance Finder."
It Happens Every Day, Life insurance is often purchased to protect against loss of income, but policyholders commonly fail to inform the beneficiary(s) of the policy's existence. As a result, many policies go unclaimed based on long dormancy periods or lack of awareness. Insurance companies would like to distribute what is rightfully due, but the responsibility to claim benefits lies with the survivors. It is estimated that over $1 billion of insurance proceeds currently could be claimed by beneficiaries from North American insurance companies..
Check the bank account statements for regular with drawls... it may be a few years back for 20 year pay policies. Do follow up from there. Check with family friends, sometime the owner might have discussed it with them.
Call the suspect companies and ask. If you have the persons info and know what company he may have been insured with, you can call the insurance company claims department and ask. They will only tell you if he was insured and nothing more without evidence that you are privy to that info. Also, call his insurance agent and ask.
Wiki User
∙ 12y ago
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How can you find out if someone left insurance policy and named me as the beneficiary after they passed away?
if someone died and left an insurance policy and named me beneficiary how can i find out
How do you find out if someone had a life insurance policy before they died and you suspect executor did not notify you?
If you are allowed to look at the person who died personal records, you want to check bank statements with withdrawals to an insurance company. You must be legally allowed to do that though!
To see if your mother had an old insurance policy?
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Can a spouse change there deceased spouses beneficiary name on a life insurance policy?
The owner of the policy can change the beneficiary of the policy. If the original beneficiary has died before the insured, the owner of the policy can designate a new beneficiary at any time.
How do you find out if someone had a life insurance policy when they died?
Locate the name of the insurer that issued the policy; from there you can contact the insurer to start a claim, even the policy number is unknown. Search through files, safe deposit boxes and other areas where your loved one might have kept insurance documents. If you can't find evidence of the policy there, try to find out the name of the life insurance company that issued the policy.
My partner died and left an insurance policy but didnt make a will i had 3 children with her am i entilted to her insurance money?
Not unless you are named on the policy.
A 71 year old men passed away about 1 year ago. He had taken a 10 years term insurance policy 1 month before he died. The policy was just discovered. will the insurance company pay?
Send a certified copy of the death certificate and A COPY OF proof of the insurance policy and you should receive payment.
In the Vietnam war what was The Insurance Policy?
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Can you make a claim on a insurance binder?
If you have applied for insurance and paid a premium, you are essentially insured if you have been given a binder. In life insurance if the applicant dies before the policy can be issued, you would file a claim as if it had. The claim would be processed and if the applicant is found to be insurable had he still been alive, the claim would proceed as if he already had a policy in force before he died.
If your dad purchased life insurance on you and he died before you died where does the money go?
If your Dad was the beneficiary of the life policy you would need to change beneficiaries at theis time. I can help. 4lifeguild
Can you hold a life insurance policy of someone who died or do I have to cash it?
Once they die you have to cash it if you want to get the benefit of it. The policy does gain any more value after they die so its in your best interests to make the claim and get the payout.
