1. Ask the deceased policyholder’s accountant or financial planner. One of these people should know about any insurance policies. Also, contact the policyholder’s employer to find out if he had group life insurance. If you are the decedent’s next of kin or the executor of the will, you can contact them directly. If you are not, you need to contact the accountant, banking institution or financial planner through the executor or legal next of kin.
  2. Contact the insurance companies with whom the decedent had other types of insurance, such as auto, property or medical. The policyholder might have purchased life insurance policy from one of these companies. You can also try the decedent’s bank. Many banks now offer life insurance policies through an affiliate institution. You don’t need to be the next of kin or executor to contact the insurance companies, but you should be the policy beneficiary.
  3. Look for a paper trail to find premium payments. Also, look through canceled checks or the insured person’s checking and savings account registers or statements for payments to insurance companies. And remember to check old credit card statements.
  4. Request a records search through MIB Group’s Policy Locator Service. If the insured person purchased the policy within the last 12 years, MIB Group should have records showing the insurance application. There is a fee for the records search. Visit MIB’s policy locator page: http://www.mibsolutions.com/lost-life-insurance/.
  5. Check your state’s unclaimed property database, if the death occurred more than one year ago. In some cases, an insurance company will turn the death benefit money over to the state as unclaimed property when the insurer knows that the insured person has died but cannot locate the beneficiary.