How to find an old life insurance policy

What you’ll need

  • The name of the insured.
  • Try to find a copy of the policy itself, which will have the insured's name and policy number.
  • Try to find a certified copy of the death certificate.

Where to look for a copy of the policy

  • Search through the person’s financial records to find payments to the insurer.
  • Look through old mail for company statements or billing reminders.
  • Check with their auto or home insurer to see if they bought a life insurance policy through them.
  • Contact the person’s last workplace to find out if they had a policy through their employer.
  • Review their income tax statements and look for interest income earned and paid expenses to the insurer.
  • Contact their bank to see if they had a safe deposit box or bought a policy through the bank.

If you find the policy

Contact the insurance company to file a claim. If you need help contacting the insurer or if you have problems with a claim, call our Insurance Consumer Hotline at 800-562-6900 or file a complaint.

What to do if you can’t find the policy

  • Gather as much information as possible, such as name, date of birth, Social Security number, insurer and any other relevant documents.
  • Check with the Washington State Dept. of Revenue, as the benefits may have already been turned over the unclaimed property section ( Also check for unclaimed property in other states ( where the person lived.
  • You could opt to pay a search company to run the person’s name against insurance industry databases.
  • Contact the large life insurers directly.

Updated 08/07/2015

See also

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