Life insurance companies will continue to send premium notices and updates via mail and/or email, so be sure to check your loved one’s mail and email. Address books and planners may have useful contacts.Bank statements or cancelled checks may show payments to life insurance companies.Business cards of insurance agents, attorneys, accountants, or financial advisors can connect you to potential contacts who may have helped secure a policy.Once opened, bank officers can deliver life insurance documents to named beneficiaries, but other contents must remain in place until a will or estate plan is executed.Įven if there is no record of the policy itself, there are other documents that may give you some clues: If you do not have the key, there may be an extra fee to drill into the box. You will also need proof of relation - a marriage certificate or executor’s testament, for example - and a photo ID. In most cases, you’ll need to have the key to the box, as well as a copy of the death certificate. Accessing safe deposit boxes can be more difficult, and requirements vary by state. Check paperwork in his or her home and business. If your loved one had a policy, there is likely some record of it amidst their personal belongings. For that reason, your loved one may have confided about their benefits in friends, spiritual leaders, doctors, or social groups they were a part of (such as book clubs or exercise groups). Sometimes, it’s easier to talk to people you’re not as close to about subjects related to death and dying. If you are unsure whether the deceased had a life insurance policy, talk with people outside of the immediate family. It’s one of the first things to do when someone dies. It’s important to know how to find out if someone has life insurance when they pass away. Talk to Friends, Family Members, and Acquaintances Taking these steps can help you find the important documents you need. One of your top priorities will be finding ways to pay for the funeral and other final expenses, including insurance policies. There are many things you need to do when a spouse or loved one dies. How to Find Out if a Life Insurance Policy Exists After Death
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