How can I locate insurance policies my husband might have had before he died if I can't find them at home?

Question

How can I locate insurance policies my husband might have had before he died if I can't find them at home?

Answer 1

If your husband had any such cover he must have kept some records of it. A man who takes an insurance for the benefit of his dependents must have done some provisions in case of any mishappenings. Check his personal files or diaries and it won't be very difficult to locate tham.

Answer 2

if he had insurance, he's been paying premiums.  so check the mail for incoming bills, check his old bank statements to see who he's been paying.  this will be especially easy if he paid by check.

Answer 3

Bank Safety Deposit box?

Any work office files?

Check all past check registers or bank statements for premium payments.

Otherwise, you may have to await any mail coorespondence from any co.  You would receive statements of values with interest or dividends.

Answer 4

You go back through his cancelled checks for the past few years, and see what insurance company he's been paying.  They need to get paid every month, or every year.   You go through the safety deposit box.  You check with his attorney or accountant or insurance agent, and the HR department of his employer.

If you're asking about a central database, there isn't one.  

If you are the executor of his estate, you can pay $75 to these guys:  http://www.mib.com/html/lost-life-insura...  And they'll tell you which companies, in the past ten years, he's sent in applications to.  It's only applications, and it's only 10 years, but it's a start.

Most people die without life insurance in place.  If you can't find anything at home, or through the checking account, more than likely he didn't have any coverage.

Answer 5

The carrier will contact the beneficiary.  The only other way is to check his banking records and check with his employer to see if they offered a policy through his work.