How to find life insurance policies of deceased parent?

When a loved one passes away, the last thing you need is the added stress of tracking down a life insurance policy. Yet, many families are unaware whether a policy exists — or how to locate it. Here’s a clear step-by-step guide to help you find out if your deceased parent had life insurance, and how to claim it.

1. Start with Personal Documents

Check your parent’s:

• Mail and email for premium notices or policy updates

• Bank statements for recurring insurance payments

• Files, safe deposit boxes, and personal records

Even a policy number or company name can be a major lead.

2. Contact Their Employer or Associations

Many employers offer group life insurance as a benefit. Also check:

• Trade unions

• Professional associations

• Veteran or alumni organizations

These sometimes provide coverage that beneficiaries forget exists.

3. Use a Life Insurance Policy Locator

In the U.S., you can request help from your state’s insurance department or use national locator tools. These services connect you with insurance companies that may have issued a policy to your parent.

4. Call Major Insurance Companies Directly

If you suspect a certain insurer may have been used, reach out. You’ll typically need:

• A copy of the death certificate

• Proof of your relationship to the deceased

• Any other identifying information (SSN, full name, DOB)

5. Check with Financial Advisors or Accountants

If your parent worked with a financial planner, lawyer, or tax professional, they may know whether a policy was in place — or where to look next.

Want to Avoid This for Your Family?

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Protect your family. Make sure they never have to wonder.