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Learn How to Use the NAIC Life Insurance Policy Locator
Every year, millions of dollars in life insurance benefits remain unclaimed. Sometimes, beneficiaries can't find their deceased relative's policies or, in some cases, may not even know the policies exist. To help solve this issue, the NAIC created the Life Insurance Policy Locator, a free online tool that helps consumers find their deceased loved one’s life insurance policies and annuity contracts.
Steps You Need to Take
The locator is easy to use. In your web browser, navigate 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
- Login and agree to the process.
- Enter your name and address.
- Submit a search request by entering the deceased’s information from the death certificate:
- Social security number
- Legal first name
- Legal last name
- Date of birth
- Date of death
After all required fields have been filled, click on 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 Reply” email confirming the request details 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.
About the National Association of Insurance Commissioners
As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.