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If you need help finding out if a loved one had a life insurance policy, the Idaho Department of Insurance and the National Association of Insurance Commissioner’s (NAIC) may be able to help. You may submit a request for a search to locate a missing policy. NAIC will send your request to life insurance companies.

BEFORE YOU SUBMIT A REQUEST…

Here are some suggested avenues of investigation which may produce results for you:

  1. The former employer of the deceased may have information on group life coverage.
  2. Financial institutions such as banks and credit unions sometimes offer term insurance to their patrons. Check the deceased’s bank accounts/cancelled checks for payments to an insurance company.
  3. Check with any fraternal organizations, associations, professional membership groups, unions and other such entities to which the decedent belonged that may make life insurance available to their members.
  4. Check with the deceased homeowner’s and auto insurance agent to see if they also may have sold life insurance to the decedent.
  5. If your research turns up evidence of a life insurance policy, it is best to check directly with the insurer’s claims or customer service departments. Even if a policy has lapsed, benefits may still be payable under a whole life insurance policy’s non-forfeiture provision.

Information you obtain from these and other sources may also be of benefit to the insurer conducting research on your request. Therefore, you may wish to consider exploring these avenues of possibility before submitting a request for a search. However, if you wish to proceed now, please click the link below.