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Carmen Said:

Can you find out what insurance policies someone has after there dead?

We Answered:

If you are trying to find a life policy you have a few options.
Search through all the papers and documents in their house if they have a policy you should come across it.

You may have to go through all the old checkbooks to find when the premium was last paid. This might mean looking back as far as one year.

Check old credit card statements. Your relative may have paid premiums by credit card.
Ask your relative's lawyer, banker, or accountant.
Track down your relative's auto or home insurance agents.

If they were employed they may have some coverage with the employer.

Wait until the next premium notice is sent.

You can also have the Medical Information Bureau conduct a policy search for $75.
http://www.mib.com/html/lost-life-insura…

April Said:

Several insurance policies found. Is there central web site to learn what happened to these companies? Thanks

We Answered:

You can try www.ambest.com They do ratings and reviews of insurance companies, and typically list any mergers and acquisitions of companies. Or you could also try the state insurance department.

Allen Said:

How can I find an insurance policy that covers bariatric surgery?

We Answered:

The only way to get on a policy that covers bariatric surgery is to find a job with health benefits that do cover the surgery. If you have a BMI great enough to qualify for the surgery you will be over the height and weight guidelines of all individual plans that cover the surgery.

Catherine Said:

Is There a way to find out if personal insurance policies were paid.?

We Answered:

Let's see, you believe your siblings are lying to you and hiding money that is rightfully yours.

*IF* there was an insurance policy, payable on death, it could only be paid out 1 of 2 ways.

1. To a named beneficiary and if you aren't one of them, tough.
2. To the estate. The esate would then turn around and distribute the money to the heirs in the will. If there is a will and you aren't listed, tough.

If your siblings are telling the truth and they did not find a policy, your options are limited.

The typical ways to find a 'lost' policy:
1. Go through the decedent's checkbook and credit card statements looking for policy payments.
2. Watch incoming mail for policy bills, statements and/or company information...
3. Go through every piece of paper in the house.
4. Contact their employers to see if there was a policy through work.
5. Spend $10 on stamps and write the top 20 insurance companies asking if there is a policy (providing their name, SSNs, addresses and how you are related to them).
6. Spend $75 on a search of the health-insurance application database. Only applies if they applied for insurance in the last 20 years.

Brett Said:

How can I find out if I am the beneficary of an insurance policy?

We Answered:

I'm so sorry for your loss. What a terrible time to have to even think about an insurance matter. Here's my advice:

1) If you mom was working, call her employer and ask whether she purchased group insurance there; if she was retired, ask her employer if she had life insurance when employed and get the name of the insurer. Then contact the insurer to see if she converted the coverage to an individual policy;
2) Check her bank statements and cancelled checks for at least the past year to see if she was making any electronic or check payments to an insurer;
3) Contact EACH of her creditors (mortgate company, car financing company, credit card(s), etc.) and ask whether she had mortgage or credit life insurance. Before you call, be sure to check hers mortgage bill, which may list whether she purchased mortgage life insurance. Credit insurance covering an auto loan will probably not show up on the loan bill, since many times the premium is paid in full at the time the loan is taken out.
4) Check her safety deposit box and personal papers.
5) Read her will, which may sometimes refer to insurance policies.
6) Ask her close friends and your relatives, who may be able to give you information about insurance she mentioned to them.
7) If all else fails, you may be able to obtain limited information from the Medical Information Bureau. This is a company that acts as a database for medical information reported on applications for life insurance, and for information discovered by insurance companies during the underwriting process. You can go to: http://www.mib.com/html/request_your_rec… and click on "Policy Locator Service" at the bottom of the page.

I hope this helps.