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NAIC Life Insurance Policy Locator

Life insurance policies and annuities of a person who has died that the family may not know about. It does not search for policies of living people.

Run by
National Association of Insurance Commissioners (NAIC), the organization of state insurance regulators.
Cost
Free

How to check and claim

  1. Open the Life Insurance Policy Locator from naic.org (Consumer tab > Tools).

  2. Enter your contact details and the deceased person's information from the death certificate (SSN or ITIN, legal name, dates of birth and death, veteran status, your relationship).

  3. Wait: participating insurers check the request, and if a policy is found and you are the beneficiary, the insurer contacts you directly.

Go to the official site.

Open official site

Claiming is free. Your state never charges a fee to search or to claim. Be careful with letters, calls or texts that ask for a fee, a percentage or your bank login to release money. Search the official state site yourself.

Other places to check

MissingMoney.com and NAUPA state unclaimed property searchU.S. savings bonds (TreasuryDirect)IRS refunds from tax returns never filed (3-year rule)IRS undelivered or lost refund checks (Where's My Refund?)PBGC unclaimed pension searchRetirement Savings Lost and Found Database (Department of Labor)FDIC unclaimed funds from failed banksNCUA unclaimed deposits from closed credit unionsHUD/FHA mortgage insurance premium refundsVA unclaimed life insurance fundsSEC and FTC refunds from enforcement casesClass action settlements: how to check that one is real
Sources

Last checked: Oct 2026.