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How do you track unclaimed life insurance?
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How to Find an Unclaimed Life Insurance Policy
If you have a loved one who recently passed away, they may have had a life insurance policy that you didn’t know about. If you think you may be the beneficiary of an unclaimed life insurance policy, you can try several steps to track it down.
  • Contact the policyholder’s previous employer. Even if they can’t give you specific policy information, they should be able to tell you the insurance provider they use in their benefits package. You can use that information to reach out to the insurance company directly to see if your relative held a policy with them.
  • Go through the policyholder’s records and files. Look for financial documents, tax records, bank statements, legal documents or any other paperwork that may provide policy details or connect you with the insurance company.
  • Seek out local or national resources. There are different agencies you can contact for assistance in locating an unclaimed life insurance policy, including the National Association of Insurance Commissioners or your state’s unclaimed property department.
    In this article, we’ll help you understand how and why life insurance goes unclaimed, how to track down an unclaimed policy and what you can do to make sure your life insurance benefits don’t go unclaimed.
How does life insurance go unclaimed in the first place?
According to the National Association of Insurance Commissioners,1 millions of dollars of life insurance go unclaimed every year. There are several reasons why a life insurance policy may go unclaimed. These include:
  • The life insurance company and policyholder lost touch due to a change of address or contact information that went unreported by the policyholder.
  • The life insurance company wasn’t informed when the policyholder passed away.
  • The life insurance company doesn’t have the correct contact information for the beneficiary.
  • The beneficiary doesn’t know they have been named on a life insurance policy.
What can you do to avoid having unclaimed life insurance?
Life insurance is designed to provide financial protection for your loved ones when you pass away, so you want to make sure they can easily claim your benefits when the time comes. There are several steps you can take to avoid having unclaimed life insurance benefits. You should:
  • Inform your beneficiary about your policy and keep them up-to-date on any changes to it
  • Keep your contact information and your life insurance beneficiary's contact information up-to-date
  • Maintain organized records that will help your loved ones easily file a claim, should they need to
Have a question about who can claim your life insurance? Let SelectQuote help.
Making sure the details of your life insurance policy are in order will help ensure that your benefits are claimed successfully. SelectQuote’s experienced licensed insurance agents can help answer any questions you have about your life insurance policy and beneficiaries. We search highly-trusted carriers in just minutes, finding you the right fit for your needs and making sure your loved ones are protected.
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