Is naic policy locator legit?
Asked by: Dr. Marlin Armstrong Jr. | Last update: August 24, 2025Score: 4.2/5 (35 votes)
Is NAIC life insurance policy locator legit?
The online policy locator requests are secure, confidential, and free. Participating insurance companies are responsible for contacting beneficiaries and reporting matches to state insurance departments through the NAIC Life Insurance Policy Locator.
Is NAIC a legitimate company?
The National Association of Insurance Commissioners (NAIC) is a nonprofit, nonpartisan organization governed by the chief insurance regulators of the 50 states, the District of Columbia, and the five U.S. territories: American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the Virgin Islands.
What is a NAIC policy locator?
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.
Is there a website to check for life insurance policies?
In your web browser, navigate to naic.org, hover over Consumer, and click Life Insurance Policy Locator under Tools.
Life Insurance Policy Locator finds $1.3M for Coloradans
Is there a database to search for life insurance policies?
To help solve this issue, the 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.
What is the NAIC database?
The NAIC Database provides essential data for the Insurance Regulatory Information System (IRIS) Financial Ratio Reports, risk-based capital analysis, and other solvency-related reviews of individual companies, including reporting compliance and financial analysis.
Is NAIC an insurance company?
What is the NAIC and what does it do? The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia, and five U.S. territories.
How do I find out if a life insurance policy exists?
- Speak with family and close friends. ...
- Contact the insurance company. ...
- Review their documents (physical and digital) ...
- Contact the deceased's advisors. ...
- Use a life Insurance policy locator.
What is the phone number for NAIC policy locator?
E-mail: help@naic.org. Phone: 816-783-8500 (option 2 - Industry), (option 3 - State Regulator)
What percentage of life insurance policies go unclaimed?
“They say over 25 per cent of life insurance policies go unclaimed, it could be over 50,” said Hartmann. “There are over 250 million people in the US alone with life insurance, that's a huge number.”
What is NAIC insurance rating?
The NAIC through its Securities Valuation Office (SVO) has its own credit rating scale, running from NAIC-1 (lowest risk) to NAIC-6 (highest risk, near or at default). All securities in insurers' portfolios use these designations and their related factors to assess solvency capital requirements.
What is churning in insurance?
Churning is when a producer replaces a client's coverage with one from the same carrier that has similar or worse benefits. Twisting in insurance is when a producer replaces a client's contract with similar or worse benefits from a different carrier.
How long does it take NAIC to respond?
After submitting the completed on-line form, the NAIC Help Desk will respond within 4 hours.
How to find out if someone has a secret life insurance policy on you?
Call Your State Insurance Commissioner's Office
If you haven't had any luck locating a policy, get in touch with the Insurance Commissioner in your state. The National Association of Insurance Commissioners' website lists the contact information for each state office.
Where can I find insurance on my NAIC?
The NAIC code is a 5-digit number that can be found on your insurance card. Most of the time the NAIC is printed on your ID card, however it may not be labeled. For a complete list of NAIC numbers, please visit the NAIC website. Renewing your registration?
Is there a website to search for life insurance policies?
The National Association of Insurance Commissioners' (NAIC) Life Insurance Policy Locator (LIPL) helps to connect consumers with their deceased loved ones' lost life insurance policies and annuity contracts.
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 contact NAIC?
Questions? Please email help@naic.org or call (816) 783-8500.
What is NAIC known for?
With a rich history and stunning natural attractions such as Naic Cathedral, Balay Aguinaldo, and Ternate Beach, Naic is an unmissable destination in the Philippines. Explore the natural beauty of Naic Forest and Tagaytay Picnic Grove, and learn more about Philippine history at Balay Aguinaldo.
How do I look up an NAIC number?
Make sure to provide the correct NAIC number, as some insurers have multiple NAIC numbers corresponding to the different services they provide. You can find the NAIC number or the company number on your insurance card, insurance policy documents, or the NAIC website.
How does NAIC work?
Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.
How to look up someone's insurance information online for free?
Due to privacy and regulation laws, it's generally not possible to find someone's insurance information online. If you need to obtain another party's insurance after an accident, contact your state's DMV or your insurance company.
How to find life insurance policies of a deceased parent?
The National Association of Insurance Commissioners (NAIC) offers a free, secure, national service that allows you to search for a deceased person's lost life insurance policies and/or annuities. You can access the NAIC Life Insurance Policy Locator here or by going to doi.sc.gov/lpsearch.
Who runs the NAIC?
In March 2024 the NAIC announced Gary Anderson as the Chief Executive Officer, effective May 1, 2024. For 2025, North Dakota Insurance Commissioner Jon Godfread serves as NAIC President.