How to Find Life Insurance Policies of the Deceased

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Life insurance that is purchased by a relative or loved one is typically purchased to provide support and security when a death occurs. However, some individuals may neglect or forget to mention that a life insurance policy exists before they are gone. This can create problems for family members who will then need to try and search for information for the policy. Finding a life insurance policy of a deceased family member can be done once you know where to look.

Things You'll Need

  • Checkbooks and credit card records of the deceased
  • Search through any canceled checks for information. The name of the life insurance company should be listed if any premium payments were made by check.

  • Look through old credit card statements. If a relative ever paid the life insurance premium with a credit card the name of the company should be listed on the statement.

  • Contact any former employers to see if a group health insurance policy existed. You should check with the last employer first because coverage may have been in effect when the relative died.

  • Check with any other family members to see if they have any information. Many times a brother or sister may have information about life insurance that was purchased years ago.

  • Track down the life insurance agent or insurance agency that sold the policy. An insurance agency may have old records file for clients that have purchased a policy.

Tips & Warnings

  • Insurance companies should send an annual statement for any policies that are currently in force. Search any old paperwork that may be packed away in a closet because valuable information can be found anywhere.
  • Be prepared to go through a lot of old papers if information for a life insurance policy is not available when a loved one dies.

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