Insurance companies don't always know the policyholder died. Beneficiaries often have no idea a policy exists. The money sits in limbo — sometimes for decades — until someone searches. We search for you.
No Automatic Notification
Insurance companies aren't required to search for beneficiaries. If nobody files a claim, the money just sits there.
Unknown Policies
A parent, grandparent, or spouse bought a policy decades ago. They may have never mentioned it — or the paperwork was lost.
Company Mergers
The original insurer was bought, merged, or changed names. Tracking down the right entity is confusing and time-consuming.
State Escheatment
After a set period (usually 3–5 years), unclaimed benefits are turned over to the state as unclaimed property — making them even harder to find.
The National Association of Insurance Commissioners (NAIC) maintains a free national database that connects beneficiaries with lost life insurance policies. Here's the process:
We submit your information to the NAIC Life Insurance Policy Locator — a free service that queries participating insurers nationwide.
Participating insurance companies search their records for any policies naming you as a beneficiary. This covers over 90% of the U.S. life insurance market.
If a match is found, the insurance company contacts you directly with claim instructions. No middleman, no runaround — just your money.
We handle the entire search and recovery process — you don't lift a finger.
1. You Tell Us What You Know
Fill out our simple form with the deceased's name, your relationship, and any policy details you have. Even if you only know a name, we can start there.
2. We Search Everywhere
We query the NAIC Policy Locator, state unclaimed property databases, and insurer records. We cross-reference multiple sources to find every policy tied to the deceased.
3. We Handle the Paperwork
When a policy is found, we help you complete the claim forms, gather required documents (death certificate, ID, proof of relationship), and submit everything correctly.
4. You Get Paid
The insurance company issues payment directly to you. Our 35% fee only applies to what we recover — if we find nothing, you owe nothing.
If We Don't Find Anything
$0
You pay nothing. Not a cent.
If We Recover Your Benefits
35%
Of the amount we recover — only on success.
Every 10th claim is free through our 9-for-1 giveback program.
You may not — and that's the point. Most beneficiaries never know. We search the NAIC Policy Locator and other databases using the deceased's name and your relationship. Even with minimal information, we can often find policies.
At minimum: the deceased's full name, date of birth (approximate is fine), Social Security number (if known), and your relationship to them. The more you can provide, the faster the search — but we work with whatever you have.
No. Life insurance benefits don't have a statute of limitations in most cases. Policies from decades ago can still be claimed — the money doesn't disappear. Insurance companies are required to pay valid claims regardless of when the death occurred.
Insurance companies are heavily regulated. When a company fails, its policies are typically assumed by another insurer or handled by a state guaranty association. We track down the correct entity and file with them directly.
Correct. $0 upfront. We only charge our 35% contingency fee after you receive your payment. If we search and find nothing, you owe us nothing — not even for our time.
The NAIC Policy Locator search typically takes 30–90 days for insurers to respond. Once a policy is confirmed, the claim payout usually takes 2–6 weeks. Most cases are fully resolved within 2–4 months.
Yes — the NAIC Policy Locator is free to use. But most people don't know it exists, don't know how to navigate it, and give up when insurers don't respond. We handle the persistence — following up, filing correctly, and making sure nothing falls through the cracks.
It takes 2 minutes. No cost. No obligation. Just answers.
Search for Policies Now — FreeKnow someone who may be a beneficiary? Refer them and earn 5% of our fee.
Learn About Referrals