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- 1). Go through old papers and bills to find a lost insurance policy. The best that can happen is you will actually find a copy of the policy. Another reason to go through bills and receipts is to find out if payments are being made to insurance companies. If you can trace where the policy was taken out via the bills, the insurance company can issue a new copy of the lost life insurance policy to the beneficiary or if the lost policy named the estate as the recipient, the executor.
- 2). Check at the deceased's bank. The reasons for checking with a bank are two-fold. First, many people keep life insurance papers, copies of wills and other important paperwork in safety deposit boxes to keep them from getting lost or destroyed. If this is the case, the executor of the estate can open the deposit box on proof of death and hopefully locate lost life insurance policies. Another reason to check with the bank is that the person who took out the missing insurance policy may have taken it out with their bank.
- 3). Contact insurance companies that insured the deceased for other policies. Many people stick with one or two companies for home, car, life insurance etc. Check with the companies that insured the person that died to see if they took out a policy through them or if they can locate the lost life insrance policy.
- 4). Ask the deceased's employer or former employer. The employer may not be able to give you all the information you need on the lost policy, but they can direct you to current and prior life insurance policy carriers for the company.
- 5). Search missing fund treasury archives for the deceased's state. If a lost insurance policy isn't claimed or becomes inactive, some insurance companies give the missing money to the state to hold until it the lost life insurance policy claimed.
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