Use the NAIC Life Insurance Policy Locator, a free national search run by the National Association of Insurance Commissioners (NAIC) at eapps.naic.org. It searches for a policy or annuity in a deceased person's name across participating insurers; any match is passed to a state insurance department, which forwards it to the beneficiary.
Open the NAIC policy locatorNAIC.org. Free. We take no cut and ask for nothing.
The NAIC Life Insurance Policy Locator is a free, national request service, not a search you can read results from instantly: participating insurers check their own records against the name and details you give, and if an insurer finds a match it contacts the beneficiary directly through the state insurance department.
This tool looks for a policy that may still be active at an insurer. Our other nine searches look for money a company already handed to a state. If this locator finds nothing, still run the state search: a matured policy a company could not deliver may already sit with your state.
This locator asks for the deceased person's Social Security number, which is different from a scam asking for your own. It is only entered on NAIC's own official site, never in reply to a letter, call or text that reached you first.
Our 12-minute money check lists nine official searches in a fixed order, with the minutes each one takes: your state (2), savings bonds (1), a lost pension (1), a failed bank (1), a closed credit union (1), an undelivered tax refund (2), an FHA refund (1), veterans' life insurance (1) and federal court funds (2). Nine steps, twelve minutes, and none of them costs a cent. We list this locator as one of the nine official searches in our 12-minute check specifically for money tied to someone who has died, alongside the state search and the other federal sources.
Facts on this page match our official-source guides, last checked 23 October 2026. Rules and screens change, so follow the agency's own instructions.
Our free Heir Checklist puts the official route on one page: where to search, the documents states usually ask for, and the pitfalls to avoid. No email needed.
Download the free Heir Checklist (PDF)One page, US Letter. Based on official state and NAUPA guidance. Not legal advice.
Yes. NAIC describes the service as free and confidential. No search or claim through it costs anything.
No. It is a request: participating insurers check their own records, and only a state insurance department contacts you if there is a match.
Anyone who believes they are a beneficiary, plus executors and legal representatives of the person who died.
Still search your state's unclaimed property site and the federal sources on our 12-minute check. A policy a company could not deliver may already have been turned over to a state.
On NAIC's own official site, yes — that is what the service is built to check. Only ever type it there yourself, never in reply to a letter, call or text that contacted you first.
Once you have done the free searches, The Unclaimed Money Handbook puts every state's office and the paperwork in one PDF. The searches on this site stay free either way.
Open refunds and settlements, with the official link next to each. Free, no finder fee, one click to leave.
Was this worth your time? Tell Google you want The Claim Desk in your answers. One click, and the next time you ask where your money is, we come with it.
