Lost Policies

Helpful Info Available to Help Find Lost Insurance Policies, Annuities

Even the most organized families can lose track of important documents, especially if a company has changed names or merged over the years or if a life insurance policy was opened but never mentioned to the beneficiary.

The National Association of Insurance Commissioners has created a service that provides consumers with search capabilities to help find a decedent’s lost life insurance policies and annuities anywhere in the country. It can also be used to check for insurance policies they may not be aware of. The Life Insurance Policy Locator (naic.org) was designed to track down lost or unknown policies and annuities.

How the Policy Locator Works

Survivors are required to submit the decedent’s personal information and a copy of the death certificate. Consumer requests are encrypted and secured to maintain confidentiality. Participating insurers will compare submitted requests with available policyholder information and report all matches to state insurance departments through the Life Insurance Policy Locator. Companies will then contact beneficiaries or their authorized representatives.

Locating a Lost Insurance Policy

The National Association of Insurance Companies has created an online “Life Insurance Policy Locator” to assist people in tracking down missing insurance policies and annuity contracts in three easy steps.

1. Gather Required Decedent Information:

a. Social Security Number
b. Date of Birth
c. Date of Death
d. Legal First and Last Name e. Death Certificate

2. Create an Online Account:

a. Life Insurance Policy Locator at naic.org

3. Submit Information:

A link is also available on the New Jersey Banking and Insurance website https://www.nj.gov/dobi/division_consumers/insurance/missinglifepolicy.html