Life Insurance

How to Locate a Loved Ones’ Life Insurance

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Key Points
  • Use the NAIC Life Insurance Policy Locator tool to search nationwide for missing life insurance policies.
  • Have the policyholder’s full name, Social Security number, and birth/death dates ready, and expect results within 90 days.
  • Life insurance payouts can help cover funeral expenses, household bills, mortgage payments, and co-signed debts.

Every year, millions of dollars of life insurance benefits are unclaimed due to beneficiaries not being able to locate a deceased loved ones’ policy. Sometimes the beneficiaries don’t even know their loved ones have a policy. 

The National Association of Insurance Commissioners (NAIC) has a Life Insurance Policy Locator that connects consumers with lost life insurance policies. This is a free online tool that searches for life insurance policies in all 50 states and has helped over 460,000 beneficiaries claim life insurance policies and annuities. These benefit payouts are worth over 10 billion dollars.

When a request is made and a match is found, the insurance company is then responsible for contacting beneficiaries. This service is open to both beneficiaries and legal representatives.

Here’s the policyholder’s information you’ll need to search for a policy:

Requests can take up to 90 days to receive a response; however, if a search finds no match or if the requester is not a beneficiary or legal representative no response will be given.

How to Use the NAIC Life Insurance Policy Locator Tool

Here are the steps to use the NAIC policy locator.

If a policy is found and you are the beneficiary, the insurance company will contact you directly.

What Are Life Insurance Payouts Usually Used to Cover

While life insurance payouts can typically be used for anything, payouts are commonly used for:


When a loved one passes, it can be a difficult time figuring out all of the legal and financial accounts and policies. We hope this tool can be helpful in the event you cannot locate a loved ones’ life insurance policy or if you’re unsure if they have one. If you need life insurance for you or your family, please contact us. We’re happy to help!

Gretchen Vidrine Headshot

Gretchen Vidrine, CISR

Gretchen Vidrine is the Personal Lines Manager at Lewis Mohr Insurance Agency and has more than 40 years of experience in the insurance industry. She is known for her in-depth product knowledge and ability to guide clients through the coverage they need. Gretchen believes true value in insurance comes not just at purchase, but when it’s time to file a claim. Her long-standing reputation for trust and clarity makes her a key part of the agency’s client-first philosophy.
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