How can I find my lost insurance policy?

Asked by: Daphne Prosacco PhD  |  Last update: October 15, 2025
Score: 4.8/5 (64 votes)

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 locate lost insurance policies?

Check the State Controller's Office Life Insurance Settlement Property Search engine or call them at 800-992-4647.

Can you find a life insurance policy with a 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.

How to find out if you have an insurance policy 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).

How can I look up my insurance policy?

Contact Your Insurance Agent

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 to Find a Lost Life Insurance Policy

16 related questions found

How to find old policy number?

If you cannot locate your policy documents, you can retrieve your policy number from other sources like SMS/email notifications from your insurance provider. You can also visit their website and login to the portal or contact the customer service department for assistance.

How to find insurance policy number without card?

Your insurance agent or company's customer service team can pull up your policy number in seconds. They'll just need to verify that it's really you first when you provide your birthdate, social security number or phone number.

How do I check my own insurance?

Like the DVLA will, you can check your vehicle has a valid insurance policy on the MID. It's free. Simply enter your vehicle registration number on askMID.com. If you suspect that you have been involved in an induced or staged accident, you should contact your insurer.

How to get a duplicate policy?

Once you have ensured that the policy has been lost, you need to follow the below procedure to initiate the application for a duplicate policy:
  1. Placement of advertisement. ...
  2. Submit the Indemnity Bond. ...
  3. Fill the loss of policy bond questionnaire. ...
  4. Submission of Bond, Questionnaire, and Documents. ...
  5. Issue of duplicate bond.

Is there a database for insurance?

All-payer claims databases (APCDs) are large State databases that include medical claims, pharmacy claims, dental claims, and eligibility and provider files collected from private and public payers. APCD data are reported directly by insurers to States, usually as part of a State mandate.

How do I find my life insurance policy on myself?

You can do this simply by calling the insurance company to explain the situation. After confirming your identity, the company will typically provide you with a new copy of your policy within weeks.

What happens to unclaimed life insurance policies?

In many cases, however, the proceeds of the life insurance policy plus any interest earned get sent over to the policyholder's state after a certain number of years. Named beneficiaries can then collect their unclaimed payout via the state treasury.

Is there life insurance with Social Security?

Social security is primarily a form of retirement insurance. However, it's possible to earn life insurance and disability protection through social security tax contributions and the survivor benefits they can include.

What happens if you lose an insurance policy?

Key Takeaways

Losing a life insurance policy doesn't affect coverage, but it can make managing the policy and claiming benefits more complicated. Beneficiaries may struggle to collect the death benefit without the policy, leading to unclaimed funds.

How do I recover my insurance policy?

You can do so by calling the company's customer care number or by marking them an email. File an FIR at the nearest police station stating that you have lost your insurance papers and get a copy of it. Pulish an advertisement in the newspaper mentioning the loss of papers.

How can you track insurance policies?

To trace or track down an insurance policy, you're probably best off going straight to the source: the insurer. First, however, be sure to check through your personal records or documents, such as annual financial summaries or tax documents, where a policy might be listed.

Can I get a copy of my insurance policy online?

Most insurance companies offer the ability to get proof of insurance via: Mobile app (supported by many major insurance companies)* Card (usually received by mail) Paper printout (request the form via email or find it in your company's online portal)

What if I lost my original policy document?

If you lose your original policy document, inform the insurer ASAP. You can visit the nearest brand office or call the agent or the customer care number. Next, you can raise a request for a duplicate policy document. For this, you will need to submit the FIR copy, advertisement and indemnity bond.

Is it illegal to have duplicate insurance?

Although no laws prohibit you from purchasing two auto policies from two different companies, an insurer will not allow you to purchase two policies on the same car. If you have an auto accident, filing two claims with two different insurance providers constitutes insurance fraud even with two auto policies.

How to find lost insurance policies?

Tips for finding a lost life insurance policy
  1. Search the deceased's documents and correspondence. ...
  2. Submit a request to the NAIC Life Insurance Policy Locator Service. ...
  3. Contact the state's Unclaimed Property Office. ...
  4. Be aware of special challenges. ...
  5. Keep in mind fee-based services are available if needed.

How do I check if I have insurance online?

Quick Guide on How to Check If Your Health Insurance is Active Online:
  1. Log in to your insurance provider's website or mobile app.
  2. Navigate to the "My Policies" or "Coverage Summary" section.
  3. Look for "Active" status next to your policy.

How do I find out my primary insurance?

Primary insurance is billed first when you receive health care. For example, health insurance you receive through your employer is typically your primary insurance.

How do I find my lost policy number?

The easiest way to find your policy number is by checking your document. Be it comprehensive insurance or third-party insurance, your policy number will be mentioned in your policy document. If you bought your car policy with the help of an insurance agent, you must contact them to know your policy number.

How do I look up my policy number?

Where is the policy number on an insurance card? Typically, you can find your insurance policy number on the front of your card. It may be marked as “Policy #” or “Policy ID.” If you're unable to locate your policy number, reach out to your insurance provider for assistance.

What do I do if I don't have my insurance card?

Check for Digital Options: Some insurance companies send your member ID and group number in emails or welcome letters. You can use these details with your healthcare provider until you receive your physical card. Also, many insurers let you create an account on their website to download or print a temporary card.