Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Mar 31, 2021

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The Facts of Life

  • You may need the power of attorney to access the personal records of the person who allegedly has life insurance.
  • Search for utilities, billing statements, and even bank records to see if the deceased paid for life insurance.
  • Use online database centers to look for unclaimed property and money.
  • Contact your State’s Insurance Commissioner’s office.

One of the questions we get asked a lot is how to find out if someone has life insurance. Locating a life insurance policy can be the saving grace that helps you with funeral and final expense burial insurance costs.

A life insurance policy protects your finances and gives beneficiaries a way to pay off debts and other expenses left behind by a loved one who recently passed away.

This guide explains how you can use a life insurance policyholder database and tips on how to find life insurance for someone who has recently passed away. What if a life insurance policy doesn’t exist? Continue reading this article to find a solution.

Use our FREE online quote tool and explore how to find life insurance in your local area by entering your ZIP code.

How to Find Out if a Life Insurance Policy is Still Valid

Be prepared to spend a day searching for an existing life insurance policy and whether it’s still valid. Finding life insurance that you didn’t know about is going to take several hours.

Why does it take so long? If the policyholder has passed away, the life insurance company they were insured with will need several items before releasing any information or claims to you.

Are you a beneficiary?

Life insurance policies often come with a beneficiary. The name of the beneficiary should be listed on the life insurance policy. However, the situation can be complicated if your name is not listed as a beneficiary. If it isn’t, you can’t receive the claim.

Power of Attorney (POA)

It’s common for seniors to have someone to represent, such as adult children, friends of the family, etc.

According to Legal Zoom, power of attorney is a document that says a person, company, or organization can manage the property, finances, or medical needs if your loved one cannot manage either of these items.

As a power of attorney, you may have some control over how the life insurance policy is used. But, you’ll need to prove POA to the life insurance company through a POA document, death certificate, and other items they may request. There may be some complications if a beneficiary is listed.

Term Life Insurance Period

If a term life insurance exists, find out how long the term lasts. Some Term Life insurance expires before they’re cashed out to beneficiaries. When a term life insurance policy has ended, it’s no longer payable to the beneficiary.

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6 Ways to Find a Life Insurance Policy

Many families come face-to-face with sticky situations where they have to pay out-of-pocket for funeral and burial costs. Before you spend your money or take out a loan, explore these options. Maybe there’s a life insurance policy that you don’t know about.

Check Bank Statements

If the life insurance policyholder has a bank account, check bank statements online, through mail-in statements, or at the bank. If they have a life insurance policy, the monthly premiums should be listed on their statement history.

Look through Old Mail

If there’s any old mail around your loved one’s home, search through the old mail to see if a life insurance statement turns up. Even if the life insurance policy is a Term Life insurance policy, it may be possible that it’s still active.

Call Old Employers

Loved ones who worked for years at the same company may have life insurance savings waiting for the beneficiary.

Employers usually keep up with life insurance policy information so that you may receive information from the loved one’s former employer with a death certificate. However, the money will go to the beneficiary.

Review Old Tax Returns

Tax returns show more than how much you pay in federal and state taxes. Any retirements, donations, and even life insurance payments will show up on the tax returns. See if you can locate a life insurance payment. It could lead to a life insurance policy you didn’t know about.

Use an Online Search for Life Insurance Policy

The National Association of Insurance Commissioners (NAIC) has a database where you can search for life insurance policy status. If your loved one has a life insurance policy, this database should be able to find it.

Another database, called The National Association of Unclaimed Property Administrators, also helps find life insurance policies that haven’t been claimed by beneficiaries.

Contact Your State’s Insurance Commissioner

Every state in the United States has an insurance commissioner office. These offices regulate insurance law and uphold standards when it comes to the insurance industry.

Frequently Asked Questions: How to Find Life Insurance

For the final section of the guide, we’ll answer questions we missed in the guide. If you want to know how to find life insurance for a person that’s still with us, enter your ZIP code in the FREE comparison tool below.

#1 – How do you find life insurance for a living relative?

Finding life insurance for a living relative is much easier because you get to purchase a life insurance policy if you can’t find one. Here are the average monthly costs of life insurance for seniors.

Average Monthly Senior Term Life Insurance Rates For Men Over 60
Age of Insured MenAverage Monthly Life Insurance Rates for a $50,000 PolicyAverage Monthly Life Insurance Rates for a $100,000 PolicyAverage Monthly Life Insurance Rates for a $250,000 Policy
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Use our FREE online tool to find life insurance in your area.

#2 – Can financial professionals locate a life insurance policy?

It’s possible. If a life insurance policy exists, they should be able to find it. They have more tools and specific resources that will allow them to find life insurance policies.

#3 – How do you make a life insurance claim?

To make a life insurance claim, you need the full name of the person that’s passed away, including maiden name, the death certificate, proof of your relationship to the loved one, proof of identity, and the Social Security Number.