Family Life Insurance Policy
how doi find a deceased family members Life Insurance Policy @all the benifecieries?
I’m so sorry for your loss. Here’s my advice:
1) If employed, call his/her employer and ask whether he/she purchased group insurance there; if retired, call the employer anyway — he/she may still have coverage under a converted policy; the employer will be able to tell you the insurer’s name.
2) Check his/her bank statements and cancelled checks for at least the past year to see if s/he was making any electronic or check payments to an insurer;
3) Contact EACH of his/her creditors (mortgate company, car financing company, credit card(s), etc.) and ask whether s/he had mortgage or Credit Life Insurance. Before you call, be sure to check his/her mortgage bill, which may list whether s/he purchased Mortgage Life Insurance. Credit insurance will probably not show up on the automobile bill, since many times the premium is paid in full at the time the loan is taken out.
4) Check his/her safety deposit box and personal papers.
5) Read his/her will, which may sometimes refer to Insurance Policies.
6) Ask his/her close friends, who may be able to give you information about insurance s/he mentioned to them.
7) If all else fails, you may be able to obtain limited information from the Medical Information Bureau. This is a company that acts as a database for medical information reported on applications for life insurance, and for information discovered by insurance companies during the underwriting process. You can go to: http://www.mib.com/html/lost-life-insurance.html for information about the MIB’s “Policy Locator Service.”
Once you find the policy, the beneficiary(ies) should be listed on the application, which is required to be attached to the policy. Of course, the beneficiary could have been changed at a later date. But you won’t know until the company is contacted.
I hope this helps.
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