Benjamin Carr
Former State Farm Insurance coverage Agent
Benjamin Carr labored as a licensed insurance coverage agent at State Farm and Tennant Particular Danger. He bought numerous traces of protection and knowledgeable his shoppers about their life, well being, property/casualty insurance coverage wants.
Assessing dangers and serving to folks discover the most effective protection to swimsuit their wants is a ardour of his. He appreciates that insurance coverage was designed to guard folks, significantly throughout instances…
Former State Farm Insurance coverage Agent
UPDATED: Jul 23, 2023
It’s all about you. We wish to show you how to make the fitting life insurance coverage protection selections.
Advertiser Disclosure: We try that will help you make assured life insurance coverage choices. Comparability purchasing ought to be simple. We’re not affiliated with anyone life insurance coverage firm and can’t assure quotes from any single firm.
Our life insurance coverage business partnerships don’t affect our content material. Our opinions are our personal. To match quotes from many various life insurance coverage corporations please enter your ZIP code above to make use of the free quote device. The extra quotes you examine, the extra probabilities to avoid wasting.
Editorial Pointers: We’re a free on-line useful resource for anybody taken with studying extra about life insurance coverage. Our aim is to be an goal, third-party useful resource for all the pieces life insurance-related. We replace our website repeatedly, and all content material is reviewed by life insurance coverage consultants.
What You Ought to Know
- Step one in how one can discover out if somebody has life insurance coverage is to collect related info
- State Insurance coverage Departments might help you find a life insurance coverage coverage if there’s one out there
- If a big period of time has handed for the reason that deceased’s loss of life, the coverage could also be listed as unclaimed property
If the one you love didn’t go away a transparent file of a life insurance coverage coverage, it may be troublesome to know how one can discover an previous life insurance coverage coverage. We break down the principle steps on how one can discover out if somebody has life insurance coverage, so you may simply discover out whether or not the deceased had an energetic 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 coverage loss of life advantages, which can come within the type of a lump sum or a number of funds. In an effort to discover a life insurance coverage coverage and potential loss of life profit payouts, learn our information beneath.
The right way to Seek for Previous Life Insurance coverage Insurance policies
There are just a few methods to search out an previous life insurance coverage coverage, however probably the greatest methods is to contact your State Insurance coverage Division and use its life insurance coverage coverage locator. You have to the deceased’s loss of life certificates and social safety quantity. Under, now we have 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 Hearth 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 Workplaces 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 may name your state’s division immediately, or you may 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 of uncover for those who had been listed as a life insurance coverage beneficiary on the coverage.
Your life insurance coverage quotes are at all times free.
Secured with SHA-256 Encryption
Utilizing a Life Insurance coverage Coverage Locator
Once you contact your State Insurance coverage Division, it’s useful to have gathered info on the coverage if potential. 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’s best to search for is as follows:
Steps to Seek for Previous 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 e mail | Premium or dividend notices, annual notices |
| Evaluation tax returns | Report of curiosity revenue or bills paid to insurance coverage corporations |
| Examine software paperwork | Listing of different life insurance coverage insurance policies |
Whereas it could take some time to dig via paperwork to search out the mandatory paperwork, keep in mind that it’s a lot simpler and quicker to your State Insurance coverage Division to search out an insurance coverage coverage you probably have a minimum of a few of the documentation listed above proving that there’s an insurance coverage coverage in existence.
In case you have any confusion about how life insurance coverage insurance policies and payouts work when searching for a coverage, learn our information on how does life insurance coverage work for extra info.
Contacting the State Insurance coverage Division
You may as well contact the State Insurance coverage Division for those who 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 everlasting life insurance coverage coverage, it’s 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’s 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 | Recommendations on discovering insurance coverage corporations that underwent adjustments |
| 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 |
| Charge-based companies | Providers provided by MIB and personal corporations for a price |
Troubleshooting by following the steps above will show you how to along with your previous insurance coverage coverage search.
Suggestions for Discovering an Previous Life Insurance coverage Coverage
When you aren’t certain the place to start out along with your search, check out our suggestions beneath on how one can 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 arduous drive, or cloud system |
| Search financial institution statements | Funds or checks to life insurance coverage corporations |
| Evaluation tax returns | Report of curiosity revenue or bills paid to insurance coverage corporations |
| Examine e mail or mail | Premium fee reminders, dividend notices, or advertising and marketing supplies |
| Use NAIC Life Insurance coverage Coverage Locator device | Relationship to the deceased and related private particulars |
| Contact state’s insurance coverage division | Fundamental details about the deceased and a duplicate of the loss of life 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 couple of life insurance coverage coverage in place |
| Strive the MIB Group | Database seek for life insurance coverage software info |
As you may see, there are many methods to gather the knowledge wanted. Though some strategies could also be extra time-consuming, the knowledge gathered will show you how to decide whether or not there was an energetic life insurance coverage coverage.
Your life insurance coverage quotes are at all times free.
Secured with SHA-256 Encryption
Distinctive Challenges to Discovering Previous Life Insurance coverage
Typically, the challenges that come up when searching for an previous life insurance coverage coverage must do with modified info or a big lapse of time between the deceased’s loss of life 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 underneath 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 for the reason that deceased’s loss of life and whenever 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-about unclaimed property, so you’ll have to look via a number of databases to search out the life insurance coverage coverage.
When Occurs When You Can’t Discover an Previous Life Insurance coverage Coverage
When you can’t discover an previous life insurance coverage plan, guarantee it’s not listed as unclaimed property someplace. Double-check that you’ve got the knowledge appropriate, as nicely. When you nonetheless can’t discover an previous life insurance coverage coverage, it’s potential that there will not be one out there. Maybe the deceased had a life insurance coverage coverage, however they let it lapse earlier than their loss of life, making the life insurance coverage coverage invalid.
Backside Line: Discovering Previous Life Insurance coverage Insurance policies
Relating to steps in how one can discover life insurance coverage insurance policies, don’t be discouraged for those who can’t discover a life insurance coverage coverage immediately. It could possibly 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 gathering info and utilizing authorities insurance coverage websites and assets, it’s best to be capable of uncover a coverage.
We hope that our information on how one can discover an previous life insurance coverage coverage has been useful. If you’re seeking to buy a life insurance coverage coverage your self, ensure to maintain an in depth file of the coverage to your beneficiaries and browse our information on varieties of life insurance coverage to search out the most effective coverage to your wants. We additionally provide useful info that solutions questions like “do you want a Social Safety Quantity to get life insurance coverage” to assist information you thru the appliance course of.
Regularly Requested Questions
How can I discover out if a cherished one had a life insurance coverage coverage?
You may contact your State Insurance coverage Division for assist discovering misplaced life insurance coverage insurance policies.
Who can declare previous life insurance coverage insurance policies?
In case you have situated the coverage utilizing a life insurance coverage coverage locator, this doesn’t routinely imply you get a life insurance coverage payout. You have to be a listed beneficiary on a life insurance coverage coverage to say an previous life insurance coverage coverage loss of life profit.
How can I test if I’m a beneficiary of a life insurance coverage coverage?
First, you’ll need to search out out if there’s a life insurance coverage coverage via an previous life insurance coverage coverage search. Then, you may 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’ll need 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 situated after the policyholder’s loss of life?
Sure, you should utilize a life insurance coverage coverage locator to discover a coverage after the policyholder’s loss of life.
How lengthy does it take to discover a misplaced life insurance coverage coverage?
When performing an previous insurance coverage coverage search, the time it takes is determined by what info you’ve gotten and which instruments you employ. For instance, if you’re utilizing a authorities website to discover a coverage, it could 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 just a few years the insurance coverage firm will typically flip the cash over to the state.
How do I forestall dropping observe of my life insurance coverage coverage sooner or later?
As a result of life insurance coverage is a crucial asset to your family members after you go, you will need to maintain observe of it. Be certain that to maintain coverage particulars and different related info in a secure spot that your beneficiaries will simply be capable of entry. Learn our information on “Is life insurance coverage an asset” to be taught extra.
