Member Login    
Password
 

Life Insurance


State Resources

The following state insurance departments provide a free missing policy search service to help you search for a life insurance policy or annuity contract of a deceased family member. Find your missing policy using your state insurance department's policy locator services: AlabamaLouisiana, Missouri, New York, Ohio, Oregon, Texas, Vermont.

State insurance department directory. The State Insurance Department Directory, with contact information for 50 states, the District of Columbia, Puerto Rico, Guam, and the U.S. Virgin Islands. Includes names and phone numbers for key personnel and specific subject contacts.


75 million American families rely on life insurers' products

STAY CONNECTED

Follow ACLI on Facebook  Follow ACLI on Twitter  Subscribe to ACLI's RSS Feed  Watch ACLI videos on YouTube 

Print | Email | Follow Us      

Missing Policy Tips

The American Council of Life Insurers does not locate missing or lost life insurance policies.  Suggestions for how to find a missing policy or annuity contract are listed below.

Conducting Your Search

If you suspect your loved one had a policy, but cannot locate it, you may want to conduct your own search using the steps provided below. As an alternative, MIB, an insurance membership corporation, offers a policy locater service for a fee. For more information about this service, visit MIB's Web site: www.policylocator.com.

  • Check your loved one’s papers and address and telephone books to look for life insurance policies and the names of insurance agents.  Contact every insurance company with which they may have had a policy, even if you’re not sure the policy is still in force.
  • Check with the employee benefits office at their latest and previous places of employment.  Or, check with the union welfare office.
  • Check bank books and canceled checks for the last few years to see if any checks may have been written to pay life insurance premiums.
  • Check the mail for one year after death for premium notices, which usually are sent annually.  If a policy has been paid up, there will not be any notice of premium payments due.  However, the company may still send an annual notice regarding the status of the policy or it may pay or send notice of a dividend.
  • Review your loved one’s income tax returns for the past two years.  Look for interest income from and interest expenses paid to life insurance companies.  Life insurance companies pay interest on accumulations on permanent policies and charge interest on policy loans.
  • Check with the state’s unclaimed property office to see if any unclaimed money from life insurance policies may have been turned over to the state.  If, after a number of years, an insurance company holding the unclaimed money cannot find the rightful owner, it turns the money over to the state. The National Association of Unclaimed Property Administrators' website (www.naupa.org) includes links to each state's unclaimed property office. For multi-state searches, www.missingmoney.com combines information from most, but not all, state unclaimed property databases.
  • Of course, you may wish to contact life insurance companies directly to see if a policy exists.  Each state insurance department has a listing of life insurance companies licensed to do business in its state.

Contacting the Company That Services Your Life Insurance Policy

If you are the owner or beneficiary of a life insurance policy written long ago, you may need help locating the life insurer that services and pays claims on the policy.

Over the years, a policy owner may lose touch with the life insurer due to frequent moves, or the company that issued the policy may have changed its name or merged with another company.

Two sources of information can assist you in finding the life insurance company that currently services your policy:

  • The state insurance department of the state in which the insured person resided at the time he or she bought the insurance policy.
  • Best's Insurance Reports, available in the reference section of many larger libraries. This annual update lists insurance company names and addresses, as well as insurers' name changes, mergers and other changes.

 

DIRK KEMPTHORNE, PRESIDENT & CEO (bio and speeches)                                                                        © American Council of Life Insurers    
101 Constitution Ave. NW Washington, DC 20001  202 624 2000             Contact Us                  Privacy Policy

Public Policy

Skip Navigation Links
Retirement Plans
Employee Benefits
Taxes
International
Federal Capital Standards

Take Action

Newsroom

Skip Navigation Links
Ad Campaigns
Media Contacts
News Releases

Industry Facts

Skip Navigation Links
Assets and Investments
Benefits Paid
Glossary
Guaranty Associations
Life Insurers Fact Book
Regulation of Insurance
Reinsurance
State Fact Sheets
State Insurance Departments

Research & Publications

For Consumers

Skip Navigation Links
Annuities
Disability Income Insurance
IRAs
Life Insurance
Long-Term Care Insurance
Workplace Retirement Plans

Events

Skip Navigation Links
Business Opportunities
Past Events
Upcoming Events

About ACLI

Skip Navigation Links
ACLI Leadership
Board of Directors
Business Opportunities
Membership