Check the person’s financial records, mail, and digital files for policy documents, premium notices, or insurer names
Review bank and credit card statements for premium payments to an insurance company
Look through employer benefits records or contact the person’s former and current employers
Ask close family members, the person’s attorney, accountant, or financial advisor
Search safe deposit boxes, filing cabinets, and home records for insurance paperwork
Contact known insurance companies directly with the person’s full legal name, date of birth, and death certificate if applicable
Use the National Association of Insurance Commissioners life insurance policy locator
Check state unclaimed property databases for unpaid life insurance benefits
Review the person’s tax returns for interest income or deductions related to insurance
Search email accounts for policy confirmations, billing notices, or insurer correspondence
Check with the person’s bank or credit union for automatic premium withdrawals
Look for beneficiary designations in wills, trusts, retirement accounts, or other estate documents
Contact the state insurance department for guidance on locating policies
Hire a licensed private investigator or insurance locator service if needed