Benjamin Carr
Former State Farm Insurance coverage Agent
Benjamin Carr labored as a licensed insurance coverage agent at State Farm and Tennant Particular Threat. He bought numerous traces of protection and knowledgeable his purchasers about their life, well being, property/casualty insurance coverage wants.
Assessing dangers and serving to individuals discover the very best protection to go well with their wants is a ardour of his. He appreciates that insurance coverage was designed to guard individuals, notably throughout instances…
Former State Farm Insurance coverage Agent
UPDATED: Jul 23, 2023
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What You Ought to Know
- Step one in discover out if somebody has life insurance coverage is to collect related info
- State Insurance coverage Departments can assist you find a life insurance coverage coverage if there may be one accessible
- If a big period of time has handed because the deceased’s demise, the coverage could also be listed as unclaimed property
If your beloved didn’t depart a transparent file of a life insurance coverage coverage, it may be tough to know discover an outdated life insurance coverage coverage. We break down the principle steps on how to find out if someone has life insurance, so you possibly can simply discover out whether or not the deceased had an lively life insurance coverage coverage.
As soon as you discover the life insurance coverage coverage, it’s then a matter of coping with any life insurance death benefits, which can come within the type of a lump sum or a number of funds. With the intention to discover a life insurance coverage coverage and potential demise profit payouts, learn our information beneath.
The best way to Seek for Outdated Life Insurance coverage Insurance policies
There are a couple of methods to search out an outdated life insurance coverage coverage, however among the best methods is to contact your State Insurance coverage Division and use its life insurance coverage coverage locator. You will want the deceased’s demise certificates and social safety quantity. Under, we’ve got listed the contact info for every State Insurance coverage Division.
Insurance coverage Division Contact Data by State
| State | Insurance coverage Division | Telephone Quantity | Web site |
|---|---|---|---|
| Alabama | Alabama Division of Insurance coverage | (334) 241-4141 | www.aldoi.gov |
| Alaska | Alaska Division of Insurance coverage | (907) 269-7900 | www.commerce.alaska.gov/ins |
| Arizona | Arizona Division of Insurance coverage | (602) 364-3100 | insurance coverage.az.gov |
| Arkansas | Arkansas Insurance coverage Division | (501) 371-2600 | insurance coverage.arkansas.gov |
| California | California Division of Insurance coverage | (800) 927-4357 | www.insurance coverage.ca.gov |
| Colorado | Colorado Division of Insurance coverage | (303) 894-7499 | doi.colorado.gov |
| Connecticut | Connecticut Insurance coverage Division | (860) 297-3800 | portal.ct.gov/cid |
| Delaware | Delaware Insurance coverage Division | (302) 674-7300 | insurance coverage.delaware.gov |
| Florida | Florida Workplace of Insurance coverage Regulation | (850) 413-3140 | www.floir.com |
| Georgia | Georgia Workplace of Insurance coverage and Security Fireplace Commissioner | (404) 656-2070 | www.oci.ga.gov |
| Hawaii | Hawaii Division of Commerce and Client Affairs | (808) 586-2790 | cca.hawaii.gov/ins |
| Idaho | Idaho Division of Insurance coverage | (208) 334-4250 | www.doi.idaho.gov |
| Illinois | Illinois Division of Insurance coverage | (312) 814-2420 | insurance coverage.illinois.gov |
| Indiana | Indiana Division of Insurance coverage | (317) 232-2385 | www.in.gov/idoi |
| Iowa | Iowa Insurance coverage Division | (515) 281-5705 | iid.iowa.gov |
| Kansas | Kansas Insurance coverage Division | (785) 296-3071 | insurance coverage.kansas.gov |
| Kentucky | Kentucky Division of Insurance coverage | (502) 564-3630 | insurance coverage.ky.gov |
| Louisiana | Louisiana Division of Insurance coverage | (225) 342-5900 | ldi.la.gov |
| Maine | Maine Bureau of Insurance coverage | (207) 624-8475 | www.maine.gov/insurance coverage |
| Maryland | Maryland Insurance coverage Administration | (410) 468-2000 | insurance coverage.maryland.gov |
| Massachusetts | Massachusetts Division of Insurance coverage | (617) 521-7794 | www.mass.gov/doi |
| Michigan | Michigan Division of Insurance coverage and Monetary Providers | (877) 999-6442 | www.michigan.gov/difs |
| Minnesota | Minnesota Division of Commerce | (651) 539-1500 | mn.gov/commerce |
| Mississippi | Mississippi Insurance coverage Division | (601) 359-3569 | www.mid.ms.gov |
| Missouri | Missouri Division of Commerce and Insurance coverage | (573) 751-4126 | insurance coverage.mo.gov |
| Montana | Montana State Auditor’s Workplace | (406) 444-2040 | csimt.gov |
| Nebraska | Nebraska Division of Insurance coverage | (402) 471-2201 | doi.nebraska.gov |
| Nevada | Nevada Division of Insurance coverage | (702) 486-4009 | doi.nv.gov |
| New Hampshire | New Hampshire Insurance coverage Division | (603) 271-2261 | www.nh.gov/insurance coverage |
| New Jersey | New Jersey Division of Banking and Insurance coverage | (609) 292-7272 | www.state.nj.us/dobi |
| New Mexico | New Mexico Workplace of Superintendent of Insurance coverage | (505) 827-4601 | www.osi.state.nm.us |
| New York | New York State Division of Monetary Providers | (800) 342-3736 | www.dfs.ny.gov |
| North Carolina | North Carolina Division of Insurance coverage | (855) 408-1212 | www.ncdoi.gov |
| North Dakota | North Dakota Insurance coverage Division | (701) 328-2440 | www.insurance coverage.nd.gov |
| Ohio | Ohio Division of Insurance coverage | (614) 644-2658 | www.insurance coverage.ohio.gov |
| Oklahoma | Oklahoma Insurance coverage Division | (405) 521-2828 | www.oid.okay.gov |
| Oregon | Oregon Division of Monetary Regulation | (888) 877-4894 | dfr.oregon.gov |
| Pennsylvania | Pennsylvania Insurance coverage Division | (877) 881-6388 | www.insurance coverage.pa.gov |
| Rhode Island | Rhode Island Division of Enterprise Regulation | (401) 462-9520 | www.dbr.ri.gov |
| South Carolina | South Carolina Division of Insurance coverage | (803) 737-6160 | www.doi.sc.gov |
| South Dakota | South Dakota Division of Insurance coverage | (605) 773-3563 | dlr.sd.gov/insurance coverage |
| Tennessee | Tennessee Division of Commerce and Insurance coverage | (615) 741-2241 | www.tn.gov/commerce/insurance coverage |
| Texas | Texas Division of Insurance coverage | (512) 676-6000 | www.tdi.texas.gov |
| Utah | Utah Insurance coverage Division | (801) 538-3800 | insurance coverage.utah.gov |
| Vermont | Vermont Division of Monetary Regulation | (802) 828-3301 | dfr.vermont.gov |
| Virginia | Virginia State Company Fee | (804) 371-9741 | scc.virginia.gov/boi |
| Washington | Washington Workplace of the Insurance coverage Commissioner | (800) 562-6900 | www.insurance coverage.wa.gov |
| Washington D.C. | Washington D.C. Division of Insurance coverage | (202) 727-8000 | disb.dc.gov |
| West Virginia | West Virginia Places of work of the Insurance coverage Commissioner | (304) 558-3386 | insurance coverage.wv.gov |
| Wisconsin | Wisconsin Workplace of the Commissioner of Insurance coverage | (608) 266-3585 | oci.wi.gov |
| Wyoming | Wyoming Division of Insurance coverage | (307) 777-7401 | doi.wyo.gov |
You possibly can name your state’s division instantly, or you possibly can go to the web site for assist finding a life insurance coverage coverage. As soon as you discover the life insurance coverage coverage, additionally, you will be capable to uncover in the event you have been listed as a life insurance beneficiary on the coverage.
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Utilizing a Life Insurance coverage Coverage Locator
Whenever you contact your State Insurance coverage Division, it’s useful to have gathered info on the coverage if attainable. It will assist the State Insurance coverage Division find the deceased’s life insurance coverage coverage if one is to be discovered. The coverage info it is best to search for is as follows:
Steps to Seek for Outdated Life Insurance coverage Insurance policies
| Steps | Data to Search for |
|---|---|
| Search the deceased’s paperwork | Proof of coverage and related info |
| Search via paper and digital information | Insurance coverage-related paperwork |
| Examine financial institution statements | Checks or computerized drafts to life insurance coverage corporations |
| Examine mail and electronic mail | Premium or dividend notices, annual notices |
| Overview tax returns | Document of curiosity earnings or bills paid to insurance coverage corporations |
| Examine software paperwork | Record of different life insurance coverage insurance policies |
Whereas it might take some time to dig via paperwork to search out the required paperwork, keep in mind that it’s a lot simpler and sooner in your State Insurance coverage Division to search out an insurance coverage coverage you probably have no less than a few of the documentation listed above proving that there’s an insurance coverage coverage in existence.
You probably have any confusion about how life insurance coverage insurance policies and payouts work when on the lookout for a coverage, learn our information on how does life insurance work for extra info.
Contacting the State Insurance coverage Division
You may as well contact the State Insurance coverage Division in the event you need assistance finding a life insurance coverage coverage as a result of some info is lacking. When you don’t must know all of the coverage info, like if the deceased had a time period life or permanent life insurance coverage, it is best to know primary details about the deceased and the insurance coverage firm.
Under, we’ve listed some situations the place you might need hassle discovering misplaced life insurance coverage due to a scarcity of primary info, in addition to what it is best to do in every case.
Strategies of Finding an Current Life Insurance coverage Coverage
| Strategies | Steps |
|---|---|
| NAIC Life Insurance coverage Coverage Locator Service | Submit a request with related info |
| State’s Unclaimed Property Workplace | Search the state’s unclaimed property database |
| Insurance coverage firm modified its title or bought | Tips about discovering insurance coverage corporations that underwent modifications |
| Firm went bankrupt | Contact the state life and well being warranty affiliation |
| Coverage could have been bought in Canada | Attain out to the Canadian Ombudservice for Life and Well being Insurance coverage |
| Payment-based providers | Providers provided by MIB and personal corporations for a payment |
Troubleshooting by following the steps above will aid you along with your outdated insurance coverage coverage search.
Suggestions for Discovering an Outdated Life Insurance coverage Coverage
In case you aren’t certain the place to begin along with your search, check out our suggestions beneath on discover out if somebody has life insurance coverage.
Steps to Discover a Misplaced Life Insurance coverage Coverage
| Steps | Data to Search for |
|---|---|
| Undergo the deceased’s paperwork | Life insurance coverage coverage amongst paperwork, storage, or secure deposit field |
| Examine digital information | Laptop, exterior laborious drive, or cloud system |
| Search financial institution statements | Funds or checks to life insurance coverage corporations |
| Overview tax returns | Document of curiosity earnings or bills paid to insurance coverage corporations |
| Examine electronic mail or mail | Premium fee reminders, dividend notices, or advertising supplies |
| Use NAIC Life Insurance coverage Coverage Locator instrument | Relationship to the deceased and related private particulars |
| Contact state’s insurance coverage division | Fundamental details about the deceased and a duplicate of the demise certificates |
| Examine unclaimed property applications | State applications for unclaimed life insurance coverage insurance policies |
| Attain out to the deceased’s employer | Advantages or HR division for info on present insurance policies |
| Seek the advice of monetary advisors, accountants, and so forth. | Inquire a few life insurance coverage coverage in place |
| Strive the MIB Group | Database seek for life insurance coverage software info |
As you possibly can see, there are many methods to gather the knowledge wanted. Though some strategies could also be extra time-consuming, the knowledge gathered will aid you decide whether or not there was an lively life insurance coverage coverage.
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Distinctive Challenges to Discovering Outdated Life Insurance coverage
Usually, the challenges that come up when on the lookout for an outdated life insurance coverage coverage must do with modified info or a big lapse of time between the deceased’s demise and the seek for a life insurance coverage coverage. For instance, the corporate that held the deceased’s life insurance coverage coverage could have gone below or modified its title. This could make it tougher to trace down the corporate that held the life insurance coverage coverage.
If a big period of time has handed because the deceased’s demise and if you began investigating for a life insurance coverage coverage, this could additionally make it trickier to search out the coverage. At this level, it is going to be thought of unclaimed property, so you’ll have to go looking via a number of databases to search out the life insurance coverage coverage.
When Occurs When You Can’t Discover an Outdated Life Insurance coverage Coverage
In case you can’t discover an outdated life insurance coverage plan, guarantee it’s not listed as unclaimed property someplace. Double-check that you’ve got the knowledge right, as properly. In case you nonetheless can’t discover an outdated life insurance coverage coverage, it’s attainable that there might not be one accessible. Maybe the deceased had a life insurance coverage coverage, however they let it lapse earlier than their demise, making the life insurance coverage coverage invalid.
Backside Line: Discovering Outdated Life Insurance coverage Insurance policies
On the subject of steps in discover life insurance coverage insurance policies, don’t be discouraged in the event you can’t discover a life insurance coverage coverage immediately. It could actually take a bit of labor and analysis to search out an older life insurance coverage coverage, particularly if it has been labeled as unclaimed property. Nevertheless, by accumulating info and utilizing authorities insurance coverage websites and sources, it is best to be capable to uncover a coverage.
We hope that our information on discover an outdated life insurance coverage coverage has been useful. In case you are trying to buy a life insurance coverage coverage your self, ensure to maintain an in depth file of the coverage in your beneficiaries and browse our information on types of life insurance to search out the very best coverage in your wants. We additionally supply useful info that solutions questions like “do you need a Social Security Number to get life insurance” to assist information you thru the applying course of.
Incessantly Requested Questions
How can I discover out if a beloved one had a life insurance coverage coverage?
You possibly can contact your State Insurance coverage Division for assist discovering misplaced life insurance coverage insurance policies.
Who can declare outdated life insurance coverage insurance policies?
You probably have positioned the coverage utilizing a life insurance coverage coverage locator, this doesn’t mechanically imply you get a life insurance coverage payout. You should be a listed beneficiary on a life insurance coverage coverage to assert an outdated life insurance coverage coverage demise profit.
How can I examine if I’m a beneficiary of a life insurance coverage coverage?
First, you will have to search out out if there’s a life insurance coverage coverage via an outdated life insurance coverage coverage search. Then, you possibly can contact the life insurance coverage firm to see if you’re a listed beneficiary.
What info do I must discover a misplaced life insurance coverage coverage?
At a naked minimal, you will have the fundamental details about the deceased, so you are able to do primary searches like a life insurance coverage coverage search by social safety quantity or a life insurance coverage coverage search by title and coverage quantity.
Can a life insurance coverage coverage be positioned after the policyholder’s demise?
Sure, you should use a life insurance coverage coverage locator to discover a coverage after the policyholder’s demise.
How lengthy does it take to discover a misplaced life insurance coverage coverage?
When performing an outdated insurance coverage coverage search, the time it takes relies on what info you have got and which instruments you employ. For instance, if you’re utilizing a authorities website to discover a coverage, it might take as much as a number of months to obtain a reply.
What occurs if a life insurance coverage coverage can’t be discovered?
If a life insurance coverage coverage can’t be discovered with a life insurance coverage coverage locator and no beneficiaries step ahead, then after a couple of years the insurance coverage firm will typically flip the cash over to the state.
How do I stop dropping monitor of my life insurance coverage coverage sooner or later?
As a result of life insurance coverage is a crucial asset in your family members after you go, it is very important preserve monitor of it. Be sure to maintain coverage particulars and different related info in a secure spot that your beneficiaries will simply be capable to entry. Learn our information on “Is life insurance an asset” to study extra.
