“Dealing with the financial consequences of the death of a loved one is difficult and often confusing,” said the NAIC president and
“You may be wondering if they had insurance. Their checking account shows that a payment has been made to a business, but how do you know if there is coverage? The LIPL can help you through the process. This free online tool is available to anyone and is one of the ways insurance regulators are helping consumers get the insurance benefits they are entitled to,” said Cameron.
How to use the life insurance policy locator
The locator is easy to use. In your web browser, go to naic.org, hover over Consumer and click life insurance policy locator under Tools.
- Create an account by entering your email address and name.
- Create a password.
- Wait 30 minutes.
- Log in and accept the process.
- Enter your name and address.
- Submit a search request by entering the deceased’s information from the death certificate:
- Legal first name
- Legal surname
- Date of Birth
- Date of death
Once all required fields are completed, click the Submit button.
Your request will be stored in a secure, encrypted database where participating life insurance and annuity companies can access the information through a secure portal. You will receive a “Do Not Respond” email confirming the details of the request you submitted. If a policy is found and you are the beneficiary, the life insurance or annuity company will contact you directly, usually within 90 days.
If no policy is found or you are not the beneficiary, you will not be contacted. Please note that the NAIC has no policy or beneficiary information.
If you have questions or need assistance, please contact your state insurance department. In every state there are customer service personnel willing to help you. If you don’t know how to contact your insurance department, follow this link help.
As part of our state insurance regulatory system in
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