Does My Deceased Parent Have Life Insurance?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

How to Find Out if Your Deceased Parent Had Life Insurance

Using the NAIC Life Insurance Policy Locator Service

  1. Understanding the NAIC Life Insurance Policy Locator Service The National Association of Insurance Commissioners (NAIC) offers a Life Insurance Policy Locator Service. This service helps individuals find life insurance policies and annuity contracts of deceased family members.
  2. Steps to Use the Service
    • Visit the NAIC website.
    • Navigate to the Life Insurance Policy Locator Service section.
    • Fill out the request form with necessary details about the deceased, including their full name, date of birth, and Social Security number.
    • Provide your information as the requestor, including your relationship to the deceased.
    • Submit the form.
  3. What Happens After Submission?
    • The NAIC forwards your request to participating insurance companies.
    • These companies search their records to determine if they hold a policy for the deceased.
    • If a policy is found, the insurance company will contact you directly if you are the beneficiary or legally authorized to receive the information.
  4. Time Frame for Responses: It can take several weeks or months for insurance companies to respond to your request.
  5. Additional Steps
    • Check the deceased’s personal documents and financial records for any insurance-related information.
    • Contact their financial advisor, lawyer, or employer for possible leads on insurance policies.
    • Look for premium payments in their bank statements.

Example of a Successful Search

  • John’s mother passed away. Unsure if she had a life insurance policy, he used the NAIC service. After 8 weeks, an insurance company contacted him, confirming a policy in his mother’s name where he was the beneficiary.

Getting a life insurance quote is the first move in responsible family planning.


Finding out if your deceased parent had a life insurance policy is possible with the NAIC Life Insurance Policy Locator Service. By following these steps, you can initiate a search that could uncover essential financial benefits. The process is straightforward but requires patience. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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