Did Gramps have Life Insurance? How to check if your loved one had final expense or life insurance coverage

Protect Your Family

Did Mawmaw Have Life Insurance? Here’s How to Find Out (And Why It Matters for You)

Sometimes life insurance policy holders forget to update beneficiaries, sometimes “paid-up” policies where no additional premiums are needed remain forgotten, addresses change and insurance companies don’t know how to contact the policy owners, so they report the policy to the state to be recovered by the rightful beneficiary.

If you’re asking, “Did Mawmaw have life insurance?” you already know how important it is. Life insurance is more than a policy—it’s how families stay afloat during life’s hardest moments. Funeral costs, debts, and other expenses don’t wait, and no one wants their family scrambling for answers.

If you’re unsure whether a loved one had coverage, don’t worry—there are tools to help you find out. And if you want to spare your family this stress in the future, you can protect them with coverage starting at just $17/month.

How to Check if a Loved One Had Life Insurance

1. Use the NAIC Life Insurance Policy Locator
The National Association of Insurance Commissioners (NAIC) offers a free, secure tool that searches for policies in the deceased’s name.

  • What You Need: Full name, Social Security number, date of birth, and death certificate.
  • How to Use It:
    1. Visit NAIC Life Insurance Policy Locator.
    2. Fill out the form—it takes seconds.
    3. Wait for responses from insurers (up to 90 days).

Contact Info for Assistance:

LifeGuy Tip: Organize your own important documents and your policy now so your loved ones never have to wonder where to start.

2. Search Unclaimed Property
If no policy is found, the benefits may have been turned over to the state.

  • Visit Unclaimed.org  or https://missingmoney.com/ to search for unpaid life insurance benefits, bank accounts, or other assets.
  • Many states offer free online searches.
  • Be ready to provide proof of identity and relationship to the deceased.

LifeGuy Insight:
“Each year, thousands in unclaimed property are returned to families. A little preparation now can save your family hours of stress later.”

Why This Matters for You

Trying to find out if a loved one had life insurance is stressful. But it’s a reminder of why protecting your own family is so important.

With life insurance, your loved ones won’t have to search, wonder, or worry. Plans start at just $17/month, and they can:

  • Cover funeral costs.
  • Pay off debts and mortgages.
  • Provide your family with financial peace of mind.

Care It Forward—Get Covered Today

You’re here because you care. Whether you’re finding out if your loved one had coverage or taking the first step to protect your family, now’s the time.

Start today. Plans from $17/month. Independent brokers help you compare top companies to find the best fit. Visit LifeGuy.com and check it off your list.

GET A QUOTE – from $17/mo. 

 

Comments