When we started Lostpolicy.com in 2002, we were the only ones providing a

search service for lost or missing life

insurance policies. Today, as expected, a

number of imitators have popped up. But

because we are still the only service that

communicates directly with claims paying

departments, we get your information to

where it needs to be faster, more securely,

and with minimum effort on your part. What that can mean for you is a

faster payout when funds are located!

How to Search a Missing Policy

The first and most basic step is to check the deceased papers, including

address and telephone books, to look for policy documents and/or the

names of insurance agents. It's helpful to go through the deceased's mail for

a year or more after death, looking for premium notices which are typically

sent annually. We are giving for our client how to search a missing policy. If

a policy is paid in full there may not be any notice of premiums due, but a

statement or dividend payment may have been sent. Search all financial

records, including bank statements and canceled checks, to determine if

payments were made to an insurance company, then follow up to see if the

policy was redeemed or is still in force. Review the deceased's income tax

returns. Look for any interest income that might have been received from a

life insurance company, and check for interest expense, in the event a loan

against the policy was made.

More Ways to Find a Missing Life Insurance Policy……???

1. Still having problem locating that lost insurance policy? Here are a few

contact ideas that may be helpful when trying to track down a

misplaced policy:

2. Check the person’s address book for a family lawyer, insurance agent

or other financial advisor who may have knowledge about a missing

life insurance policy.

3. Contact the local insurance department in the state where you believe

the policy was purchased. Note that when an insurance company

knows someone has died and can’t locate the beneficiary, the

unclaimed insurance funds are turned over to the state’s unclaimed

property office.

4. Contact the Medical Information department. A representative can

check for any existing paper trail going back 12 years through their

Policy Locator Service, for a small fee. Search for missing Life

insurance companies use this department to obtain medical

information when someone applies for a policy, and may have records

that can help with your search.

5. Hire a specialized search solid to look for a lost life insurance policy

and other unclaimed assets. These organizations can conduct a search

for you for a fee.