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Find Insurance Policy

Joann Said:

how do i find out about a life insurance policy from 7 years ago that was cashed in, in florida?

We Answered:

You need to know the name of the company that issued the policy and call them. If you do not know the name of the company, there's not much you can do since there is no general database from which you can search. Insurance companies only keep a database of their own clients and this information is usually private due to security and fraud. In order for the insurance company to release information to you, you need to be either the owner of the policy or the insured.

Eddie Said:

How can i find an old insurance policy if the company no longer exist?

We Answered:

Absolutely, there's a way, as long as the policy was still in force.

Life insurance companies change names and go out of business and merge ALL THE TIME. When a company goes out of business, the policy gets transerred to ANOTHER life insurance company in that state.

You can check with your state insurance commissioner, to see which new company was assigned to take over that policy.

Or, you can repost the question, in much greater detail, with the exact NAME of the original issuing company, and the state the policy was issued in, and someone here might be able to look it up.

Glenn Said:

How do I find an old insurance policy in my name?

We Answered:

There are a couple places you can look, but I am not too hopeful, on this.

1. Your state's insurance commission may be able to help you.
2. Your state's office of the comptroller's office may have a lead for you.

Other than that, it's gone, with the company. Sorry.

Douglas Said:

How do I find a misplaced insurance policy.?

We Answered:

If you paid by direct debit, then get a back dated bank statement from the bank (choose a month in the year that you definitely knew you made a direct debit payment.) Once you have found the name of the company you can contact them and ask them for an update. If it is an endowment type policy, even though you haven't paid any payments within the last few years, they will have frozen the policy, but it is still worth money to you and you don't have to pay any missed payments. It just means that you will no longer have the privilege of life cover with that policy as that part of the policy will have been cancelled due to the non payments.

Diane Said:

How to find my life insurance policy?

We Answered:

Nope.

There's no central database, so you can't plug your name in and look it up. It's too old for an MIB policy search.

You need to go to the executor of her estate, and get cancelled checks for the last year before she died. If the policy was active, she would have been paying SOMEONE on it. Anyway, three years with no payment, it's most likely lapsed anyway by now.

Discuss It!