How to Find a Life Insurance Policy

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Life Insurance Policy Search by Social Security Number

To search for a life insurance policy using a social security number, follow these steps:

  1. Contact Insurance Companies: Reach out to insurance companies where the deceased may have had a policy. Provide them with the social security number and any other relevant details.
  2. Check with Employers: Past and present employers of the deceased might have records of group life insurance policies.
  3. Use State’s Unclaimed Property Office: Many states have online databases for unclaimed property, including life insurance proceeds.
Find A Life Insurance Policy

Life Insurance Policy Search by Name

When searching by name, consider these methods:

  1. Review Personal Documents: Look through the deceased’s personal files for any insurance-related documents.
  2. Contact Banks and Financial Advisors: Banks or financial advisors might have records of purchased life insurance policies.
  3. Search through Mail and Emails: Look for insurance statements or communications in mail and emails.

NAIC’s Free Life Insurance Policy Locator

The National Association of Insurance Commissioners (NAIC) offers a free life insurance policy locator service:

  1. Submit a Request: Go to the NAIC website and fill out the request form with details about the deceased.
  2. Wait for Response: Insurance companies will review the submitted request and reach out if they find a policy.

Comparison of Search Methods

MethodRequired InformationProsCons
Social Security NumberDeceased’s SSNAccurate, DirectRequires sensitive information
Name SearchFull Name of DeceasedEasy to startMay yield many unrelated results
NAIC LocatorDeceased’s detailsComprehensive, FreeTakes time for responses
How To Find A Life Insurance Policy


Finding a life insurance policy requires patience and thorough research. Whether using a social security number, searching by name, or utilizing the NAIC’s locator, each method has its advantages. Understanding these options ensures a comprehensive search. Contact us today for a free quote.

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Frequently Asked Questions

How can I find a life insurance policy by name?

You can find a life insurance policy by name by contacting the insurance company directly, searching through unclaimed property databases, or using a policy locator service like MIB Groups.

How do I find a life insurance policy that I am the beneficiary of?

To find a life insurance policy where you’re the beneficiary, ask the policy owner or consult their important documents. If deceased, check with their lawyer or insurance company, or use a policy locator service.

Is there a database to search life insurance policies?

Yes, there are databases available to search for life insurance policies. Unclaimed property databases and policy locator services like MIB groups can be used for this purpose.

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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