NAIC Life Insurance Policy Locator: Find Your Lost Policies in 3 Easy Steps

Introduction

Did you know that an estimated $14 billion in life insurance benefits goes unclaimed every year in the United States? That's a staggering amount of money that could be going to help families in need.

If you think you may have a lost life insurance policy, it's important to take steps to find it as soon as possible. The longer you wait, the more difficult it will be to track down your policy and collect the benefits you're entitled to.

The NAIC (National Association of Insurance Commissioners) has created a free online Life Insurance Policy Locator Service. This service can help you find lost life insurance policies from participating insurance companies, which is almost every insurance company in the country.

How to Use the NAIC Life Insurance Policy Locator

Using the NAIC Life Insurance Policy Locator is easy. Simply follow these three steps:

1. Go to the NAIC Life Insurance Policy Locator website: https://www.naic.org/consumers/life_insurance_policy_locator_input.htm
2. Enter your information, including your name, Social Security number, and date of birth.
3. Click the "Search" button.

The NAIC will search its database of participating insurance companies and return a list of any policies that match your information. You can then contact the insurance companies to confirm that you are the policyholder and to file a claim.

What if I Can't Find My Policy Using the NAIC Locator?

If you are unable to find your policy using the NAIC Locator, there are a few other things you can try:

• Contact your state insurance department. They may be able to help you locate your policy or provide you with additional resources.
• Contact the insurance companies that you think may have issued the policy. Even if you're not sure which company issued the policy, you can contact the major insurance companies and ask them to search their records.
• Check your credit report. Your credit report may list life insurance policies that you have.

Tips for Finding a Lost Life Insurance Policy

Here are a few tips for finding a lost life insurance policy:

• Start by searching your own records. Look for any paperwork related to life insurance, such as policies, statements, or premium notices.
• Ask your family and friends if they know anything about your life insurance policy.
• Contact your employer. Your employer may have offered life insurance as a benefit, and they may be able to provide you with information about your policy.
• Contact your bank or credit union. Your bank or credit union may have records of your life insurance policy, especially if you paid your premiums through automatic withdrawals.

Conclusion

Losing a life insurance policy can be a stressful experience, but there are steps you can take to find it. By using the NAIC Life Insurance Policy Locator and following the tips above, you can increase your chances of finding your lost policy and collecting the benefits you're entitled to.

Additional Resources

• NAIC Life Insurance Policy Locator: https://www.naic.org/consumers/life_insurance_policy_locator_input.htm
• National Association of Insurance Commissioners: https://www.naic.org/
• Insurance Information Institute: https://www.iii.org/