Or a beneficiary may be unaware that they were designated to receive benefits upon the death of the person who was insured. This is what we consider to be a lost policy or contract. To begin your search for a lost life insurance policy or annuity contract, complete our online form or call Unfortunately, there is no national or statewide database of all life insurance policies that you can consult.
Wait for the mail
But these strategies may help:. Please note that federal and state privacy laws may limit whom an insurance company can provide information to about a life insurance policy or an annuity contract. Unless you are a beneficiary or an authorized representative, such as an executor of the decedent's estate, you may not be contacted about the life insurance policy or annuity contract related to your request.
If your request results in a match, Nationwide will work directly with the named beneficiaries to process the claim. Claims Pay a bill.
How Beneficiaries Can Claim Life Insurance and Social Security Benefits | Nolo
For your ride. Life Pet Dental Umbrella Identity theft. Accident medical Specialty liability Travel Wedding. In that case, you could be waiting almost a year for the next bill to arrive. Look for evidence of payment to a life insurance company in checkbook registers, canceled checks and credit card statements. If your relative had a permanent life insurance policy, check his or her tax returns. Financial advisors are often licensed life insurance agents and may have sold your relative a policy or know of an existing policy.
Life insurance
Find out whether your relative kept a safe deposit box at the bank — and then check it for a policy. In addition, ask the bank if your relative purchased life insurance through the bank. The MIB Group maintains a database of life insurance application information going back to Insurance companies use the database to exchange information among themselves about customers. If your relative applied for individual life insurance after , MIB probably has a record. All you really need to find is the company name.
Once you know the company, contact the insurer for its claim paperwork, and be ready to provide the death certificate.
Finding a lost life insurance policy: 3 ways to get started
You should have your money in a couple of weeks. Could all your searching and frustration have been avoided?
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Tell family members the name of your life insurance company. Amy Danise is an editor covering insurance for NerdWallet. At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners.
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