How Do I Find a Missing Life Insurance Policy?

Full question:

my mother died 7,30,1996.some of the insurance policywas lost.my mother name,havana reed,havana dixon,havana beene.the policyswas taken out in nashvilletn.my name is fred l reedher son.any help would beappreciate. also check policy with executive life ins. co. trust.

Category: Wills and Estates
Date: 04/07/2025
State: Florida

Answer:

If you know the company that issued the policy, they should have a record of the policy. It is possible the company no longer exists or the policies were transferred to another company. Please see:

http://www.nolhga.com/companies/public/main.cfm?NAICCode=63010#1

Please read the article at the following link:

http://articles.moneycentral.msn.com/Insurance/InsureYourLife/HowToFindLostLifeInsurancePolicies.aspx

The site below is for unclaimed property in TN, including life insurance policies.

http://treasury.tn.gov/unclaim/

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

Is there a way to find life insurance policies of deceased parent?

Yes, you can find life insurance policies of a deceased parent by checking with known insurance companies, as they may have records of the policies. If you are unsure of the companies, you can search for unclaimed property in your state. In Tennessee, you can use resources like the Tennessee Department of Treasury's unclaimed property division to assist in your search.

What happens to an insurance policy when the owner dies?

When the owner of a life insurance policy dies, the policy typically pays out a death benefit to the designated beneficiaries. If there are no beneficiaries named or if the policy cannot be found, the death benefit may become part of the deceased's estate and be subject to probate. It's important for beneficiaries to file a claim with the insurance company promptly to ensure the benefits are received.