How to Find Out if Someone Has Life Insurance

If you need to know how to find out if someone has life insurance, there are options. Find out if a deceased family member had a life insurance policy by looking for insurance documents, bank statements, or tax returns for indicators of a life insurance policy. Unclaimed life insurance death benefits are often listed as state unclaimed property.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • You can find out if someone has life insurance through insurance documents, bank statements, tax returns, or other documents
  • It’s important for life insurance policyholders to provide beneficiaries with policy details to be sure the death benefit is claimed
  • Life insurance policies are not public so it could be difficult to track the policy of a deceased family member

Wondering how to find out if someone has life insurance? Locating a relative’s life insurance policy is possible even if they didn’t happen to provide you the term vs. permanent life insurance details beforehand.

It doesn’t make sense to let a life insurance benefit go unclaimed. We’ll let you know how to find out if a life insurance policy exists and if you can conduct a life insurance policy search by Social Security number.

Before you learn about how to find out if someone has life insurance, you might want to consider getting a policy of your own. Get personalized rates from top providers by entering your ZIP code above.

Is there a way to find out if someone has life insurance?

Does your living relative have life insurance? For those that are still living, you’ll most likely want to have a discussion about a potential life insurance policy. Although a sensitive topic, it can be a simple “yes” or “no” question.

Maybe you aren’t comfortable enough to ask them directly. Is there a way to find out if someone has life insurance? There is, but in many cases, you’ll be tasked with research, phone calls, and more in pursuit of the policy details.

If someone has a life insurance policy, they will usually tell the beneficiaries and even provide them the necessary documents so that they are able to submit claims accordingly.

In other cases, the deceased may include life insurance policy details in a will or similar document which allocates all of their belongings to their beloved beneficiaries.

This can be an issue if the aforementioned document is never found. In this case, there are some different steps that can help you find a deceased family member’s life insurance policy.

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How do I find out if a deceased parent had life insurance?

If you weren’t provided any documentation and couldn’t find a will, many times the next of kin will be able to find information relating to a parent’s life insurance policy.

Are life insurance policies on the public record? Unlike some other insurance types, life insurance policies aren’t part of any public database. This includes searching via Social Security numbers.

You might be able to do an online search or use a policy locator to find a life insurance policy, but this doesn’t always work. If you call your state insurance commissioner’s office you might also be able to locate a policy.

Whether you choose to do online research or make a phone call, the National Association of Insurance Commissioners (NAIC) will be the organization that can provide you the necessary information.

Do life insurance companies contact beneficiaries? Not in most cases. It is the responsibility of the policyholder and the beneficiaries to be informed about life insurance policies and claims.

Learning how to file a life insurance claim can help expedite the process and avoid any undue hassles.

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Even so, life insurance companies don’t typically benefit if a life insurance death benefit goes unclaimed. That money is typically still paid out and given to the state as unclaimed property, according to the Insurance Information Institute.

You may need to look into bank statements, tax returns, incoming mail, and other documents to find a life insurance policy for a deceased family member. You may also be able to contact:

  • Bankers or Financial Advisors
  • Employers
  • Insurers
  • Other Fraternal Organizations

Depending on how well you knew the deceased, each of the above could know more about an existing life insurance policy. Many employers offer small policies designed to cover funeral expenses at the least.

If you have access to the deceased’s vehicles, there’s a chance that their car insurance company is also their life insurance provider.

Who can request information about a life insurance policy? In most cases, the beneficiaries or those directly related to a policyholder are the only ones able to get more information about a life insurance policy.

As a policyholder, you can see why it’s important to provide the information your life insurance beneficiaries need to know before it’s too late. This will make the entire claims process easier when the time comes.

How to Find Out if Someone Has Life Insurance: The Bottom Line

Locating a life insurance policy might be challenging but it can be done. By using resources like bank statements, mail, or tax returns, you may be able to prevent an unclaimed death benefit.

No longer need to wonder how to find out if someone has life insurance? Get ahead with your life insurance needs by comparing rates from top life insurance providers with our free quote tool below.

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