How to search for a policy (or evidence that it exists) | OLHI - Free, impartial help with your life & health insurance complaints

OLHI OLHI – Free, impartial help with your life & health insurance complaints

How to search for a policy (or evidence that it exists)

How to search for a policy (or evidence that it exists)

  • Explore possible storage places, like safety deposit boxes or filing cabinets
  • Go through the deceased’s papers, checking for policies, statements or notices from an insurance company
  • Review banking records for any evidence of premium payments
  • Contact the deceased’s insurance agent (if known) and other advisors, like lawyers and accountants. Sometimes, policies are stored in their files
  • Contact the deceased’s employer, or former employer if the deceased was retired. The Human Resources Department would have information on group life insurance for active or retired employees
  • If the deceased was receiving group disability benefits, find out if there was any group life insurance included in the disability benefits
  • Contact any associations to which the deceased belonged. Many offer members life insurance. For example, lawyers, accountants, construction workers, teachers, government employees or engineers belong to associations
  • Check with credit card companies to see if the deceased purchased any life or travel insurance through the card
  • If the deceased passed away while travelling, check whether special insurance was purchased for the trip. Sometimes, travel insurance provides a death benefit

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