Finding a deceased parent’s life insurance policies can be a bit of a challenge, but there are several steps you can take to locate them:
- Check the parent’s personal papers: Look through the deceased parent’s personal papers, such as their will, financial records, or any mail they received from insurance companies. This can provide clues about the types of insurance policies they had and the insurance companies they were with.
- Contact the parent’s employer: If the parent was employed, contact their employer to see if they had any life insurance policies through their workplace.
- Search online: Use online resources, such as the National Association of Insurance Commissioners’ (NAIC) Life Insurance Policy Locator Service, to search for the policy.
- Contact the insurance companies: Contact the insurance companies that the deceased parent may have been insured with. They may have a record of the policy.
- Hire a probate attorney: If you are unable to locate the policy, you may need to hire a probate attorney to help you with the process. They can help you identify and locate any assets, including life insurance policies, that the deceased parent may have had.
It’s worth noting that some insurance companies may require a copy of the death certificate or a letter of testamentary before they will provide information about a policy.