How to Find Unclaimed Insurance Policies
Insurance companies, along with other institutions such as banks, credit unions, utilities and corporations, are required by state laws to report any unclaimed property to state authorities. For example, an insurance policy claim check that is returned to the insurance company as undeliverable would become an unclaimed fund and is eventually reported to the state. Procedures vary from state to state, and unclaimed property may be reported either to the state in which the company operates, the state in which the policy holder resides or both. You can search the unclaimed fund insurance policy holdings in most states with an online tool.
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Instructions
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Visit missingmoney.com. Missing Money is an officially-sanctioned consolidated search tool used by most states to provide public access to records of unclaimed insurance policies and other unclaimed money or property.
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Enter the first and last name of the person whose policy you are searching for in the respective search boxes.
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Enter the two-letter abbreviation of the state in which the person lives or lived. You can also enter "ZZ" to search every state in the Missing Money records.
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Review the search results to see if the name you searched is associated with any unclaimed assets. If so, the listed asset will indicate the source of the funds, such as an insurance company or bank.
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Check the current list of states covered by the Missing Money searches. If a state of interest to you is not included in its database, use the contact information provided to contact the state's unclaimed funds program directly to inquire about unclaimed insurance policies.
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Tips & Warnings
Check the Missing Money site every few months for updated information on unclaimed funds.
