Can you find a life insurance policy with a social security number?
Asked by: Jorge Kuvalis | Last update: December 18, 2025Score: 4.4/5 (75 votes)
Can you look up if someone has a life insurance policy?
If you suspect that a loved one had a life policy, the National Association of Insurance Commissioners (NAIC) has created a Life Insurance Policy Locator service to help consumers locate benefits from life insurance policies or annuity contracts purchased anywhere in the United States.
How do you find life insurance without paperwork?
Search with the National Association of Insurance Commissioners (NAIC): NAIC has an online Life Insurance Policy Locator Service that uses the deceased's name to search the records of participating life insurance companies. This service is free, confidential, and easy to use.
How can I find all of my life insurance policies?
Contact your state insurance commissioner's office and state department of unclaimed property. Some U.S. states offer online databases where residents can search for life insurance policies.
How to find out if I am a beneficiary of a life insurance policy?
- Talk to your loved one while they're still alive. ...
- Look through financial documents. ...
- Contact the life insurance company. ...
- Use a life insurance policy locator. ...
- Check with the policyholder's state.
This is why Life Insurance Companies want your Social Security Number
Is life insurance beneficiary public record?
Life insurance policies aren't typically public record. Because they're paid out to a designated beneficiary, they don't need to go through probate, which would make them a matter of public record.
How do I find out if my deceased father left me money?
Online search service — There are online services that specialize in unclaimed money. The National Association of Unclaimed Property Administrators (NAUPA) is one such service, and NAUPA-endorsed MissingMoney.com is another unclaimed life insurance database worth checking out.
How to find a life insurance policy with social security number?
The locator is easy to use. In your web browser, navigate to naic.org, hover over Consumer, and click Life Insurance Policy Locator under Tools. Submit a search request by entering the deceased's information from the death certificate: Social Security number.
Is an old life insurance policy worth anything?
A policy that lapsed before the policyholder died has no value. But if the policy was still in force when the insured died, that policy's death benefit may still be available to the beneficiary. Note that the death benefit amount could be different from the policy's original face value. Several factors can cause this.
How do I look up an insurance policy number?
You can also call your provider directly. An agent will be able to assist you in locating the policy number, but to do so, they will need to verify your account for security reasons — and they may even ask you to confirm your date of birth, address, or other personal details.
How long can a life insurance policy go unclaimed?
The amount of time beneficiaries have to claim life insurance depends on state laws and the life insurance company itself. But typically, there is no time limit.
How to find life insurance in your name?
You might want to contact the National Association of Insurance Commissioners (NAIC) for their free Life Insurance Policy Locator Service, which looks for policies on the databases of many insurance companies. Another great resource could be your state's Department of Insurance (DOI).
What are the rules for beneficiaries of life insurance?
Your beneficiary can be a person, a charity, a trust, or your estate. Almost any person can be named as a beneficiary, although your state of residence or the provider of your benefits may restrict who you can name as a beneficiary. Make sure you research your state's laws before naming your beneficiary.
Is there a database to search for life insurance?
To help solve this issue, the National Association of Insurance Commissioners (NAIC) created the Life Insurance Policy Locator, a free online tool that helps consumers find their deceased loved one's life insurance policies and annuity contracts.
Can someone get life insurance on you without you knowing?
The simple answer is yes—you can buy life insurance for someone else if they agree and are aware of the decision. However, you can't buy a plan for anyone without an insurable interest and consent from the person you are buying life insurance for.
How long does a beneficiary have to claim a life insurance policy?
There is no time limit for beneficiaries to file a life insurance claim. However, the sooner you file a claim for a death benefit, the sooner you will receive your money. Filing as soon as possible makes sense because the insurer could need a month or longer to investigate the claim before paying out.
Can I claim my deceased grandmother's unclaimed money?
The short answer is that yes, you can claim money from deceased relatives. If you believe that you're entitled to money left behind by a deceased relative, then you can make a legal claim to it under the inheritance laws of your state. The types of financial assets you may be able to claim include: Bank accounts.
Can I borrow money from my life insurance?
When your policy has enough cash value (minimums vary by insurer), you can use it as collateral to request a loan from your insurance company. Keep in mind that if you have a newer policy it may take several years before it has accrued enough value for you to borrow against.
What disqualifies life insurance payout?
Life insurance proceeds can be denied. Some denials are legitimate, like in case of policy lapses, material misrepresentations, or exclusions in the form of illegal activities or war. In other cases, bad-faith insurers use elaborate methods to reject claims so they do not have to pay the proceeds.
What happens to old life insurance policies?
Unclaimed life insurance policies are turned over to state government. Life insurers do not keep unclaimed life insurance policies in their possession indefinitely.
How to find out if someone left you money after they died?
The National Association of Unclaimed Property Administrators' website www.unclaimed.org is an excellent resource. This association consists of state officials charged with the responsibility of reuniting lost owners with their unclaimed property.
How to look up an old Prudential life insurance policy?
How do I request a policy search? To request a policy search, contact your Prudential professional or call our Customer Service Center at 1-800-778-2255, Mon.-Fri., 8 a.m.-8 p.m. ET.
How to find out if a deceased loved one has a life insurance policy?
Find the deceased person's life insurance policies
In addition to looking through the deceased's records, you can also check with sources like the deceased's financial advisor and the National Association of Insurance Commissioners.
Can I withdraw money from my deceased father's account?
Legally, only the owner has legal access to the funds, even after death. A court must grant someone else the power to withdraw money and close the account.
How do you check if you are a beneficiary?
To find out if you are a beneficiary of an account, all you need to do is call the financial institution or insurance company, provide them a death certificate of the owner, and tell them who you are. If you are a beneficiary, they will tell you and help you fill out the proper forms.