How Can I Find My Old Life Insurance Policy?

Misplaced or forgotten life insurance policies are more common than you think — and they could still be worth thousands. Whether you’re searching for your own old policy or trying to locate one for a deceased loved one, there are proven ways to track them down.

Here’s how to find your old life insurance policy — fast and effectively.

1. Search Personal Records and Files

Start with the basics:

• Filing cabinets, safe deposit boxes, old email accounts

• Look for paper policies, billing statements, or emails from insurance companies

🔍 Tip: Policies are often titled under “Life Assurance” or use generic envelopes — don’t overlook plain-looking documents.

2. Check Bank Statements and Credit Card Records

Recurring premium payments or withdrawals can identify the insurer and policy status. Even old cancelled checks may include a policy number or insurer name.

3. Contact Former Employers or Group Providers

Many people get life insurance through their job. Reach out to:

• Previous HR departments

• Unions or professional associations

You might uncover group term life or voluntary coverage still in effect.

4. Use Life Insurance Policy Locator Services

If nothing turns up, try official search tools:

• NAIC Life Insurance Policy Locator (for U.S. residents)

• State unclaimed property databases

• State insurance department inquiries

These tools can help locate policies even if the insurer was acquired or renamed.

5. Check With Major Insurers

If you remember the insurance company but not the policy details, call their customer service directly. Provide:

• Full name of the insured

• Last known address

• Date of birth or SSN (if available)

Many insurers can look up policies with partial information.

6. Hire a Policy Locator Professional

If the amount of coverage could be significant, hiring a licensed investigator or using a policy-tracking service can be worthwhile — especially for estates or unclaimed benefits.

Why It Matters

Many old policies remain active, hold cash value, or are eligible for payouts — even decades later. In some cases, beneficiaries never claim thousands of dollars, simply because they didn’t know the policy existed.

✅ Want Help Reviewing an Old Policy?

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