Find missing life insurance policy


Unclaimed Life Insurance Policy Benefits

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find lost life insurance policy Missing Life Insurance Policy Benefit Search

Generally it is the job of family members to notify the insurance company of a policy owner's death. More than one-quarter of all life insurance policy benefits go unclaimed on death of the insured, because family members simply aren't aware a policy exists.

And missing heirs can be difficult to find, due to name changes after marriage or divorce, an unreported change of address or expired postal forwarding order after a move, and incomplete or illegible records. Military personnel are particularly vulnerable, given their transient lifestyle.

Policyholders may also be entitled to an unexpected windfall. As a growing number of mutual life insurance companies - including MetLife, John Hancock, Mony, Prudential and others - have converted from mutual to stock ownership, millions of current and former policyholders and heirs are entitled to receive stock and cash, in addition to policy benefits.

When John Hancock demutualized, it did not have current addresses for 400,000 policyholders. Prudential could not locate 1.2 million policyholders, and sixty million shares of MetLife were owed missing policy owners and heirs.

By law, unclaimed life insurance policy benefits and demutualization compensation are held in trust until claimants come forward. Government trustees recently took custody of $22.8 billion, of which less than $1 billion was reclaimed.

Even if your insurance company no longer exists, payments of up to $300,000 are possible from state insurance guaranty associations. If you have reason to believe a policy exists but have not received payment, complete the form below to initiate a search.

Secure Order Form
Missing Life Insurance Policy Search
Telephone #:
E-mail:  Please enter carefully
Street / PO Box:
Zip / Postal Code:
Life Insurance Company Name [if known] 
Name of Insured:
Insured's Home State:
Name of Beneficiary [if known]:
Beneficiary's Home State:
Shipping Options
Send results via e-mail [recommended]
Send results via USPS First Class Mail [add $4]

Additional information
special instructions:

There is an $18 fee for this service. Payment Information:
Credit Card:
Card #: Enter as four groups of four numbers  xxxx xxxx xxxx xxxx
Expiration: Enter month and year - xx / xx
Card Security Code:

Three numbers on back of credit card by the signature box


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