Money you may be owed · Nationwide
NAIC Life Insurance Policy Locator
A free national search that asks every major insurer whether a policy exists in your loved one's name.
Written and checked by Jason Burns, Editorial Steward · Checked August 25, 2026
What this program is, in plain English
After a death, families often suspect there was a life insurance policy but cannot find the paperwork. The National Association of Insurance Commissioners runs a free search. You submit the person's name, date of birth, Social Security number, and death certificate information, and the request goes out to participating insurance companies across the country. Any company that finds a match and confirms you are the beneficiary or the person handling the estate contacts you directly. It is free. Never pay a service to do this.
What you actually get
Identification and payout of a forgotten life insurance policy or annuity.
Who qualifies
- Income limit: Not yet verified — call to confirm
- For a beneficiary or the executor of an estate. You may also search for a policy on your own life.
What to have ready
- Death certificate
- The deceased person's Social Security number and date of birth
- Your relationship to them
How to apply
This program is run by National Association of Insurance Commissioners. Most decisions take Companies have 90 days to respond.
We are not a government agency. These links go straight to the agency that runs the program. Applying is always free.
Every program on this site is free to apply for. Anyone who asks you to pay to apply, or to “unlock” a government benefit, is a scam — hang up and call Senior Medicare Patrol or 211.
Report something wrong on this page
Sources
- Program page — content.naic.org
- National Association of Insurance Commissioners — content.naic.org
- Legal authority: Voluntary industry search operated by state insurance regulators; unclaimed death benefits are governed by state unclaimed property law
Checked August 25, 2026 by Jason Burns (blocked: eapps.naic.org fronts a human-verification challenge to automated clients; endpoint not fetchable by machine and not marked verified). Licensed under the Citation License 1.0.
Related programs
- State Unclaimed PropertyEvery state holds money in your name from old accounts, refunds, and paychecks. Searching is free.
- PBGC Unclaimed PensionsThe federal pension agency is holding money for tens of thousands of people who never claimed it.
- Credit for the Elderly or Disabled, and Free Tax PreparationA tax credit for people 65 and older, plus free tax help from IRS-certified volunteers.
Not sure if this one is for you?
The free screener checks you against every program at once. It takes about two minutes and never asks for your name or phone number.
Start the free screener