If a loved one has passed away, you are aware of how difficult it may be to comb through paperwork to discover what you need to handle their estate. When it comes to a life insurance policy, you might not have any supporting documentation and be unsure whether your loved one even had a policy.
Do not fret. In order to prevent your family from losing out on money that could assist in a time of need, we'll walk you through numerous ways to find out if someone has life insurance.
There are five ways to locate a life insurance policy.
Finding someone's life insurance policy can be done in a number of methods, including:
Use the life policy locators provided by NAIC, MIB Group, or NAUPA.
To check out if someone has life insurance, use the free Life Policy Locator service provided by the National Association of Insurance Commissioners (NAIC). You must enter the deceased person's details in order to utilise the tool:
The number for Social Security (SSN)
First and last names legally
Birth date, death date
Over 400 member companies in the US and Canada receive underwriting services from the MIB association. The executor or administrator of the decedent's estate may use the MIB Policy Locator Service to look up a life insurance policy. The surviving spouse or the nearest living relative may file a request if no executor was named.
The following must be sent through the mail to the MIB service:
Filled-out and notarized application
Certified copy of a death
$75 in certified check or money order