Money Owed To Me

Official government search · Open

NAIC Life Insurance Policy Locator

The Life Insurance Policy Locator is a free national search run by NAIC, the association of the fifty state insurance commissioners, for life insurance policies and annuities left behind by someone who has died. If a relative died and you believe you are a beneficiary, or you hold legal authority over their estate, you may be eligible to request a search using details taken from the death certificate; participating insurers then check their own records through a secure portal and any company that finds a policy contacts the beneficiary directly. NAIC reports that insurers confirmed more than 611,000 matches worth $13.18 billion through August 31, 2025, against more than 1.17 million requests received since the tool opened in November 2016 — so most searches come back with nothing. It cannot be used to look for a policy on a living person, a search can take 90 business days or more, and it is free on NAIC's own site.

Official searchOfficial notice

Facts from the official materials

Status
Open
Type
Official government search
Category
Unclaimed property
Defendant / company
National Association of Insurance Commissioners
Administrator
National Association of Insurance Commissioners
Claim deadline
No filing deadline — search the official database
States
See official notice (often nationwide)
Proof
See the official notice for proof rules
Possible amount
No set amount — free official search
Source confidence
high
Last verified
September 13, 2026

The locator pays nothing itself — it asks participating insurers to check their records and, where there is a match, the company contacts the beneficiary directly to settle the policy. Whatever a policy is worth is set by that policy, not by this tool. NAIC reports searches can take 90 business days or more, and that insurers have confirmed matches on roughly half of one million of the 1.17 million requests received, so most searches return nothing. The service is free.

Eligibility questions

These questions help you decide whether to read the official notice. They are not a legal determination.

Has a close relative or someone whose estate you handle died in recent years?
Do you have their death certificate, with their Social Security number, date of birth and date of death?

The search form asks for those details and cannot run without them.

Are you trying to find a policy on someone who is still alive?

The locator only searches for policies on people who have died.

Track this record

Read next

Related records

Records that share a company, category, or subject with this one. Each is still open, and filing on the official site is free.

Want to compare more than this one record? Answer the eligibility quiz.