NAIC Life Insurance Policy Locator: Find Your Lost Coverage

Thousands of Americans have unclaimed life insurance policies worth billions of dollars. If you're unsure if you have a lost policy or want to find out if your loved one had a policy, the National Association of Insurance Commissioners (NAIC) has a solution.

NAIC Life Insurance Policy Locator Tool

The NAIC Life Insurance Policy Locator is a free and confidential service that helps you search for unclaimed life insurance policies. The database includes policies from over 600 insurance companies, covering approximately 90% of the U.S. life insurance market.

How to Use the NAIC Policy Locator:

1. Visit the NAIC website at www.naic.org/life-insurance-policy-locator.
2. Enter the policy owner's name, last known address, and date of birth.
3. Click the "Search" button.

The locator will search the database and return a list of potential matches. You may need to provide additional information to confirm your identity and receive policy details.

Why the NAIC Policy Locator Matters

• Billions in Unclaimed Benefits: According to the NAIC, there are an estimated $10 billion in unclaimed life insurance benefits in the U.S.
• Peace of Mind: Finding lost policies can provide financial security and closure for grieving families.
• Protects Against Fraud: Unclaimed policies can be vulnerable to fraudulent claims, so finding and claiming them helps prevent scammers.

Benefits of Using the NAIC Policy Locator

• Free and Confidential: The service is completely free to use, and your information is kept confidential.
• Easy to Use: The online tool makes searching for policies quick and convenient.
• Covers Multiple Companies: The database includes policies from a wide range of insurance carriers, increasing the chances of finding a match.

How to Use the NAIC Policy Locator for Beneficiaries

If you're a beneficiary of a life insurance policy, you can also use the NAIC Policy Locator to:

• Confirm the policy status
• Get contact information for the insurance company
• Request a claim form

Pros and Cons of Using the NAIC Policy Locator

Pros:

• Free and confidential
• Covers multiple companies
• Easy to use

Cons:

• May not include policies from all insurance companies
• Results may not be up-to-date
• Requires personal information

Additional Tips for Finding Lost Life Insurance Policies

• Check with the Deceased's Family and Friends: Ask loved ones if they recall the deceased having life insurance.
• Review Financial Records: Look for premium payments on bank statements or credit card bills.
• Contact the Deceased's Employer: Some employers offer group life insurance plans.
• Search the Social Security Death Index: This index may list life insurance policies issued to deceased individuals.
• Consult Legal Professionals: An attorney can help you search for unclaimed policies and file claims.

Tables

Table 1: Estimated Unclaimed Life Insurance Benefits

Table 2: NAIC Policy Locator Success Rate

Table 3: Insurance Companies Covered by NAIC Policy Locator

Table 4: Tips for Finding Lost Life Insurance Policies