NAIC Life Insurance Policy Locator

Life insurance policies and annuities of a person who has died that the family may not know about. It does not search for policies of living people.

Run by: National Association of Insurance Commissioners (NAIC), the organization of state insurance regulators.
Cost: Free

How to check and claim

Open the Life Insurance Policy Locator from naic.org (Consumer tab > Tools).
Enter your contact details and the deceased person's information from the death certificate (SSN or ITIN, legal name, dates of birth and death, veteran status, your relationship).
Wait: participating insurers check the request, and if a policy is found and you are the beneficiary, the insurer contacts you directly.

Go to the official site.

Open official site

Checking is free. The FTC warns that the government will not call or text you asking you to pay to search for unclaimed money. Go to the official site yourself and never pay a "processing" fee.

Other places to check

MissingMoney.com and NAUPA state unclaimed property search U.S. savings bonds (TreasuryDirect)IRS refunds from tax returns never filed (3-year rule)IRS undelivered or lost refund checks (Where's My Refund?)PBGC unclaimed pension search Retirement Savings Lost and Found Database (Department of Labor)FDIC unclaimed funds from failed banks NCUA unclaimed deposits from closed credit unions HUD/FHA mortgage insurance premium refunds VA unclaimed life insurance funds SEC and FTC refunds from enforcement cases Class action settlements: how to check that one is real

Sources

NAIC Life Insurance Policy Locator

Last checked: Oct 21, 2026.